<SEC-DOCUMENT>0001831631-24-000291.txt : 20241119
<SEC-HEADER>0001831631-24-000291.hdr.sgml : 20241119
<ACCEPTANCE-DATETIME>20241119163024
ACCESSION NUMBER:		0001831631-24-000291
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20241114
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20241119
DATE AS OF CHANGE:		20241119

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			loanDepot, Inc.
		CENTRAL INDEX KEY:			0001831631
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				853948939
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-40003
		FILM NUMBER:		241476646

	BUSINESS ADDRESS:	
		STREET 1:		6561 IRVINE CENTER DRIVE
		CITY:			IRVINE
		STATE:			CA
		ZIP:			92618
		BUSINESS PHONE:		(949) 434-5964

	MAIL ADDRESS:	
		STREET 1:		6561 IRVINE CENTER DRIVE
		CITY:			IRVINE
		STATE:			CA
		ZIP:			92618
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>ldi-20241114.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:995fa7f8-c64f-4cd0-b8e5-17acf6117817,g:aae87d38-ceeb-4427-ae12-2f208136c1ce,d:45ae0741c18246e09946e1fa69897b6f-->
<html xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns="http://www.w3.org/1999/xhtml" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xml:lang="en-US"><head><meta http-equiv="Content-Type" content="text/html"/>


<title>ldi-20241114</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="c-1" name="dei:AmendmentFlag" format="ixt:fixed-false" id="f-21">FALSE</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:EntityCentralIndexKey" id="f-22">0001831631</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="ldi-20241114.xsd"/></ix:references><ix:resources><xbrli:context id="c-1"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001831631</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-11-14</xbrli:startDate><xbrli:endDate>2024-11-14</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="i45ae0741c18246e09946e1fa69897b6f_1"></div><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="-sec-extract:summary;margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-top:4pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Washington, D.C. 20549</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">_____________________</span></div><div style="margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="c-1" name="dei:DocumentType" id="f-1">8-K</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">_____________________</span></div><div style="margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CURRENT REPORT</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Pursuant to Section&#160;13 or 15(d)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">of the Securities Exchange Act of 1934</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Date of Report (or date of earliest event reported): <ix:nonNumeric contextRef="c-1" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="f-2">November 14, 2024</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">_____________________</span></div><div style="margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:24pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityRegistrantName" id="f-3">loanDepot, Inc.</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(Exact Name of Registrant as Specified in its Charter)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">_____________________</span></div><div style="margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:31.648%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.648%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.650%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen" id="f-4">Delaware</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityFileNumber" id="f-5">001-40003</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityTaxIdentificationNumber" id="f-6">85-3948939</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(State or other jurisdiction</span></div><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">of incorporation)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Commission</span></div><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">File Number)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(I.R.S. Employer</span></div><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Identification Number)</span></div></td></tr></table></div><div style="margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressAddressLine1" id="f-7">6561 Irvine Center Drive</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressCityOrTown" id="f-8">Irvine</ix:nonNumeric>, <ix:nonNumeric contextRef="c-1" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen" id="f-9">California</ix:nonNumeric> <ix:nonNumeric contextRef="c-1" name="dei:EntityAddressPostalZipCode" id="f-10">92618</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Address of Principal Executive Offices) (Zip Code)</span></div><div style="margin-top:8pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Registrant&#8217;s telephone number, including area code: <ix:nonNumeric contextRef="c-1" name="dei:CityAreaCode" id="f-11">(888)</ix:nonNumeric>&#160;<ix:nonNumeric contextRef="c-1" name="dei:LocalPhoneNumber" id="f-12">337-6888</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">_____________________</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Check the appropriate box below if the Form&#160;8-K&#160;filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></div><div style="padding-left:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.223%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:WrittenCommunications" format="ixt-sec:boolballotbox" id="f-13">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr></table></div><div style="padding-left:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.223%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:SolicitingMaterial" format="ixt-sec:boolballotbox" id="f-14">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Soliciting material pursuant to Rule&#160;14a-12&#160;under the Exchange Act (17 CFR&#160;240.14a-12)</span></td></tr></table></div><div style="padding-left:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.223%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox" id="f-15">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Pre-commencement&#160;communications pursuant to Rule&#160;14d-2(b)&#160;under the Exchange Act (17 CFR&#160;240.14d-2(b))</span></td></tr></table></div><div style="padding-left:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.223%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox" id="f-16">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Pre-commencement&#160;communications pursuant to Rule&#160;13e-4(c)&#160;under the Exchange Act (17 CFR&#160;240.13e-4(c))</span></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities registered pursuant to Section&#160;12(b) of the Act:</span></div><div style="margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:31.648%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.648%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.650%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Title of each class</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Trading</span></div><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Symbol(s)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Name of each exchange</span></div><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">on which registered</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:Security12bTitle" id="f-17">Class&#160;A Common Stock, $0.001 Par Value</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:TradingSymbol" id="f-18">LDI</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-19">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="margin-top:8pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934&#160;(&#167;240.12b-2&#160;of this chapter).</span></div><div style="margin-top:8pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Emerging growth company&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox" id="f-20">&#9744;</ix:nonNumeric></span></div><div style="margin-top:8pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.&#160;&#160;</span><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:120%">o</span></div><div style="margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:3pt double #000;padding:0 1pt"/></tr></table></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Item 1.01 Entry into a Material Definitive Agreement.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">On November 14, 2024 loanDepot.com, LLC (the &#8220;Company&#8221;), a Delaware limited liability company and an indirect, subsidiary of loanDepot, Inc., as seller, entered into (i) a Master Repurchase Agreement (the &#8220;Funding 2 Master Repurchase Agreement&#8221;) with Atlas Securitized Products, L.P., as administrative agent and as a buyer, and Atlas Securitized Products Funding 2, L.P., as a buyer and the other buyers joined thereto from time to time (collectively, the &#8220;Funding 2 Buyers&#8221;), and (ii)  a Master Repurchase Agreement (the &#8220;WHCO Master Repurchase Agreement&#8221; and together with the Funding 2 Master Repurchase Agreement, the &#8220;Master Repurchase Agreements&#8221;) with the Atlas Securitized Products, L.P., as administrative agent and a buyer and AGF WHCO 1-A3 LP, as a buyer, and the other buyers joined thereto from time to time (collectively, with the Funding 2 Buyers, the &#8220;Buyers&#8221;). Pursuant to the Master Repurchase Agreements, the Company may sell to the applicable Buyers, and later repurchase, residential mortgage loans. The Master Repurchase Agreements and certain ancillary agreements provide for an aggregate uncommitted financing of $450.00 million, with the Funding 2 Master Repurchase Agreement providing for an additional committed amount of $250 million. The expiration date of each Master Repurchase Agreement is November 13, 2025, unless extended or earlier terminated in accordance with the terms thereof. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The Master Repurchase Agreements contain representations, warranties, covenants, conditions precedent to funding, events of default and indemnities that are customary for agreements of these types.  Additionally, the Master Repurchase Agreements provide that the Company is required to cure any margin deficit at the request of the applicable administrative agent.  Should any event of default occur, the financing of mortgage loans under both Master Repurchase Agreements may be terminated and the repurchase of any residential mortgage loan sold under the Master Repurchase Agreements could be accelerated to be immediately due and payable at the repurchase price.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The foregoing descriptions of the Master Repurchase Agreements are not complete and are qualified in their entirety by reference to the full text of the Funding 2 Master Repurchase Agreement and the WHCO Master Repurchase Agreement, copies of which are attached hereto as Exhibits 10.1 and 10.2, respectively, and are incorporated herein by reference.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All information set forth in Item 1.01 of this Form 8-K is incorporated by reference.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Item 9.01 Financial Statements and Exhibits. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">(d) Exhibits.</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.081%"><tr><td style="width:1.0%"/><td style="width:12.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:85.417%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Exhibit No.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Description</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.1#</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="a101atlasf2_loandepot-mrar.htm">Master Repurchase Agreement, dated November 14, 2024, among loanDepot.com, LLC, Atlas Securitized Products, L.P., Atlas Securitized Products Funding 2, L.P., and other buyers party thereto.</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.2#</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="a102whcoloandepot-mraredac.htm">Master Repurchase Agreement, dated November 14, 2024, among loanDepot.com, LLC, Atlas Securitized Products, L.P., AGF WHCO 1-A3 LP, and other buyers party thereto.</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">104</span></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Cover Page Interactive Data File (embedded within the Inline XBRL document)</span></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">#    Confidential information has been omitted because it is both (i) not material and (ii) is the type of information that the Company treats as private or confidential pursuant to Item 601(b)(10) of Regulation S-K.</span></div><div style="text-align:center;text-indent:36pt"><span><br/></span></div><div style="text-align:center;text-indent:36pt"><span><br/></span></div><div style="text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">SIGNATURE </span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">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. </span></div><div style="padding-left:252pt;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:51.315%"><tr><td style="width:1.0%"/><td style="width:7.162%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.142%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.396%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">loanDepot, Inc.</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">By:</span></div></td><td colspan="3" style="border-bottom:0.75pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">/s/  David Hayes</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Name:  David Hayes</span></div></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Title:    Chief Financial Officer</span></div></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Date: November 19, 2024</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>a101atlasf2_loandepot-mrar.htm
<DESCRIPTION>EX-10.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2024 Workiva -->
<title>Document</title></head><body><div id="ib4979a232c774d648cb47c924e8c3cc9_1"></div><div style="min-height:106.56pt;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain confidential information contained in this document, marked by &#8220;&#91;***&#93;&#8221;, has been omitted because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">FUNDING 2 FACILITY</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">EXECUTION</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:justify"><font><br></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT 10.1</font></div></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</font></div></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">MASTER REPURCHASE AGREEMENT</font></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ATLAS SECURITIZED PRODUCTS, L.P., as administrative agent<br>(&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administrative Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and as a buyer (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;),</font></div><div style="margin-bottom:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ATLAS SECURITIZED PRODUCTS FUNDING 2, L.P., as a buyer (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), and other Buyers from time to time (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;),</font></div><div style="margin-bottom:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and</font></div><div style="margin-bottom:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LOANDEPOT.COM, LLC, as seller (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;)</font></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Dated November 14, 2024</font></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_4"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:18pt;padding-right:18pt;text-align:center;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">TABLE OF CONTENTS</font></div><div style="margin-top:12pt;padding-left:36pt;text-align:right;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Page</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ied7ab3be4138412ab62b7dddecf0aeb5" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1.&#160;&#160;&#160;&#160;Applicability</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ied7ab3be4138412ab62b7dddecf0aeb5" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic2094869100e451eaa07e02551bb92c1" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">2.&#160;&#160;&#160;&#160;Definitions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic2094869100e451eaa07e02551bb92c1" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i2faaf30f42654549bfbdec15816ed7f4" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">3.&#160;&#160;&#160;&#160;Program&#59; Initiation of Transactions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i2faaf30f42654549bfbdec15816ed7f4" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">30</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie5e04ab788b84278a8776fdb062e8eb3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">4.&#160;&#160;&#160;&#160;Repurchase</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie5e04ab788b84278a8776fdb062e8eb3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">32</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4c1d4406cf2d4a52a08b79afd79f7b71" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">5.&#160;&#160;&#160;&#160;Price Differential.</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4c1d4406cf2d4a52a08b79afd79f7b71" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">33</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4ea356d764164792856944c378ecacf3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">6.&#160;&#160;&#160;&#160;Margin Maintenance&#59; Reallocation of Purchase Price</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4ea356d764164792856944c378ecacf3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">35</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic79e6e404fc6459382bd0fab5a995693" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">7.&#160;&#160;&#160;&#160;Income Payments </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic79e6e404fc6459382bd0fab5a995693" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">36</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id9068fdd1fc64bf28dec8f6de8a0d295" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">8.&#160;&#160;&#160;&#160;Security Interest</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id9068fdd1fc64bf28dec8f6de8a0d295" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">38</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8ea8e4bfc5ff4f2582678c92b08cd592" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">9.&#160;&#160;&#160;&#160;Payment and Transfer</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8ea8e4bfc5ff4f2582678c92b08cd592" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">40</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i961d21b346544d53ae3430fda45ee2a5" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">10.&#160;&#160;&#160;&#160;Conditions Precedent</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i961d21b346544d53ae3430fda45ee2a5" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">40</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3b48ea1c58974fc3af011d76a22cbfb9" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">11.&#160;&#160;&#160;&#160;Program&#59; Costs </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3b48ea1c58974fc3af011d76a22cbfb9" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">44</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1e6405b967004501ae8be6ec4813aca8" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">12.&#160;&#160;&#160;&#160;Servicing</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1e6405b967004501ae8be6ec4813aca8" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">48</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i06e023370fe24b8087bf624d667df076" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">13.&#160;&#160;&#160;&#160;Representations and Warranties</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i06e023370fe24b8087bf624d667df076" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">49</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifb01580dd4c14bd1876a074e5b793bc1" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">14.&#160;&#160;&#160;&#160;Covenants </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifb01580dd4c14bd1876a074e5b793bc1" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">55</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8f06c51e1452461c975cc61da0e7b1bc" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">15.&#160;&#160;&#160;&#160;Events of Default</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8f06c51e1452461c975cc61da0e7b1bc" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">62</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie928b7da5ae043f396509638f35e9564" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">16.&#160;&#160;&#160;&#160;Remedies Upon Default</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie928b7da5ae043f396509638f35e9564" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">65</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if72b601eea1b489f9c6694fd98f5bfe7" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">17.&#160;&#160;&#160;&#160;Reports</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if72b601eea1b489f9c6694fd98f5bfe7" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">68</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0cc8c5ca210a4f35bf27393740a29bce" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">18.&#160;&#160;&#160;&#160;Repurchase Transactions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0cc8c5ca210a4f35bf27393740a29bce" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">72</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i857ccae1d8304665a7d790fb2c5c7803" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">19.&#160;&#160;&#160;&#160;Single Agreement</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i857ccae1d8304665a7d790fb2c5c7803" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">72</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#icac8875414bd42958cb6fce8249848d2" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">20.&#160;&#160;&#160;&#160;Notices and Other Communications</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#icac8875414bd42958cb6fce8249848d2" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">73</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic049d8a4f46e40008bc8f1e29bcf9a9d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">21.&#160;&#160;&#160;&#160;Entire Agreement&#59; Severability</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic049d8a4f46e40008bc8f1e29bcf9a9d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">74</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib5ec3c1a022b4c0dac3ad7348ed02440" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">22.&#160;&#160;&#160;&#160;Non assignability</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib5ec3c1a022b4c0dac3ad7348ed02440" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">74</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3a0214983e3c4c939d1fb114119b3e7b" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">23.&#160;&#160;&#160;&#160;Set-off</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3a0214983e3c4c939d1fb114119b3e7b" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">75</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib1e8011e5d934a0d9176c55e5d663784" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">24.&#160;&#160;&#160;&#160;Binding Effect&#59; Governing Law&#59; Jurisdiction</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib1e8011e5d934a0d9176c55e5d663784" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">76</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ia69993c474e546439606ad0872c71ba6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">25.&#160;&#160;&#160;&#160;No Waivers, Etc.</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ia69993c474e546439606ad0872c71ba6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">76</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1ed0615b53204bcaabe20f89a55138fe" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">26.&#160;&#160;&#160;&#160;Intent </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1ed0615b53204bcaabe20f89a55138fe" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">76</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i34802ca96edd4ec5a5b1fb426789d29d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">27.&#160;&#160;&#160;&#160;Disclosure Relating to Certain Federal Protections</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i34802ca96edd4ec5a5b1fb426789d29d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">77</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie306a1adcc924d9fa0f0567b6bdbe9a3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">28.&#160;&#160;&#160;&#160;Power of Attorney</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie306a1adcc924d9fa0f0567b6bdbe9a3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">78</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4a870f8217754bf0b4e8b6c97f5fee8d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">29.&#160;&#160;&#160;&#160;Buyers May Act Through Administrative Agent</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4a870f8217754bf0b4e8b6c97f5fee8d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">78</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i6dbb1b932c4c49be964ad6c6ffaa6a75" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">30.&#160;&#160;&#160;&#160;Indemnification&#59; Obligations</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i6dbb1b932c4c49be964ad6c6ffaa6a75" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">78</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i2f1c0bfabc7e4f989f7a0c3f3ddf5412" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">31.&#160;&#160;&#160;&#160;Counterparts</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i2f1c0bfabc7e4f989f7a0c3f3ddf5412" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">79</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie6c5a0a3c53e437bbfc5fcea5656bc5c" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">32.&#160;&#160;&#160;&#160;Confidentiality </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie6c5a0a3c53e437bbfc5fcea5656bc5c" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">80</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib71c72c37a3e4874a7b3b21b376a2353" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">33.&#160;&#160;&#160;&#160;Recording of Communications</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib71c72c37a3e4874a7b3b21b376a2353" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">81</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if0358492cf9744609b3ad2b77bd395dd" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">34.&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;Conflicts</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if0358492cf9744609b3ad2b77bd395dd" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">81</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#idc420f65e2f0442b8a70647659157413" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">35.&#160;&#160;&#160;&#160;Acknowledgment of Assignment and Administration of Repurchase Agreement </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#idc420f65e2f0442b8a70647659157413" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">83</a></font></div></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- i -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i23dc6697a59e4c938c809595e1a414ea" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">&#160;&#160;&#160;&#160;Pursuant to Section 22 above (Non-assignability) of this Agreement, Administrative Agent may sell, transfer and convey or allocate certain Purchased Assets and the related Repurchase Assets and related Transactions to certain affiliates of Administrative Agent and&#47;or one (1) or more CP Conduits (the &#8220;Additional Buyers&#8221;) with the prior written consent of Seller&#59; provided that such consent shall not be required to the extent Administrative Agent or Buyers sells, transfers or conveys to (i) to an Affiliate thereof or (ii) during an Event of Default. Administrative Agent shall notify the Seller promptly after each sale, transfer, conveyance or allocation, provided that the failure to give such notice shall not affect the validity of such sale, transfer, conveyance or allocation. Seller hereby acknowledges and agrees to the joinder of such Additional Buyers and the assignments and the terms and provisions set forth in the Administration Agreement&#59; provided that any Confidential Information provided to an Additional Buyer shall be provided subject to a commercially reasonable non-disclosure agreement.  The Administrative Agent shall administer the provisions of this Agreement, subject to the terms of the Administration Agreement for the benefit of the Buyers and any Repledgees, as applicable.  For the avoidance of doubt, all payments, notices, communications and agreements pursuant to this Agreement shall be delivered to, and entered into by, the Administrative Agent for the benefit of the Buyers and&#47;or the Repledgees, as applicable.  Furthermore, to the extent that the Administrative Agent exercises remedies pursuant to this Agreement, any of the Administrative Agent and&#47;or any Buyer will have the right to bid on and&#47;or purchase any of the Repurchase Assets pursuant to Section 16 above (Remedies Upon Default).  The benefit of all representations, rights, remedies and covenants set forth in this Agreement shall inure to the benefit of the Administrative Agent on behalf of each Buyer and Repledgees, as applicable.  All provisions of this Agreement shall survive the transfers contemplated herein (including any Repledge Transactions) and in the Administration Agreement, except to the extent such provisions are modified by the Administration Agreement.  In the event of a conflict between the Administration Agreement and this Agreement, the terms of the Administration Agreement shall control.  Notwithstanding that multiple Buyers may purchase individual Purchased Mortgage Loans subject to Transactions entered into under this Agreement, all Transactions shall continue to be deemed a single Transaction and all of the Repurchase Assets shall be security for all of the Obligations hereunder, subject to the priority of payments provisions set forth in the Administration Agreement. </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i23dc6697a59e4c938c809595e1a414ea" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">83</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9a20ac86f2c6456ba8e5980d1adb8c69" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">36.&#160;&#160;&#160;&#160;Periodic Due Diligence Review</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9a20ac86f2c6456ba8e5980d1adb8c69" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">83</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i392aa23a4bbf448db18e307e45ff8d73" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">37.&#160;&#160;&#160;&#160;Authorizations</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i392aa23a4bbf448db18e307e45ff8d73" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">84</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic2063332077e43aeaa0a8ab62237834f" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">38.&#160;&#160;&#160;&#160;Administration of Repurchase Agreement</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic2063332077e43aeaa0a8ab62237834f" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">84</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i31c5667c892346f9b4c357b5d1578cae" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">39.&#160;&#160;&#160;&#160;Acknowledgement of Anti-Predatory Lending Policies</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i31c5667c892346f9b4c357b5d1578cae" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">85</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0fbdf4c65c334e728ac4a99e0325dd20" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">40.&#160;&#160;&#160;&#160;Documents Mutually Drafted</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0fbdf4c65c334e728ac4a99e0325dd20" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">85</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ieaa9ab5585bb46938635b52382db095d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">41.&#160;&#160;&#160;&#160;General Interpretive Principles</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ieaa9ab5585bb46938635b52382db095d" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">85</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i557db94e2ec54bdebd452f11fe43728e" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">42.&#160;&#160;&#160;&#160;Bankruptcy Non-Petition</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i557db94e2ec54bdebd452f11fe43728e" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">86</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i560d7457f9504c3ca1d57b61e9c107d9" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">43.&#160;&#160;&#160;&#160;Limited Recourse</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i560d7457f9504c3ca1d57b61e9c107d9" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">86</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ieb126eda984a4edeb2114e49b63e9e21" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">44.&#160;&#160;&#160;&#160; Pool Subdivisions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ieb126eda984a4edeb2114e49b63e9e21" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">87</a></font></div></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- ii -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i600343219d14482b8da0034e3f4db4b1" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">The Administrative Agent may from time to time deliver to Seller a Pool Subdivision Notice which notice shall identify a Pool of Purchased Mortgage Loans that shall be treated separately from the remaining Purchased Mortgage Loans (which remaining Purchased Mortgage Loans shall constitute another Pool).  The Administrative Agent may modify any such Pool Subdivision Notice from time to time to readjust the composition of the Pools identified therein.  Following delivery of a Pool Subdivision Notice, the calculations with respect to Price Differential (and all of the component calculations used in determining such calculation) shall be calculated separately on the basis of the Purchased Mortgage Loans comprising each Pool, which shall result in a separate Price Differential for each Pool.  For the avoidance of doubt, a Pool Subdivision Notice shall not (a) modify or otherwise affect the rights and obligations of the parties under the Program Agreements except as expressly contemplated in this Section 44&#59; and (b) shall not be construed as a Severance Notice as contemplated by Section 19 of this Agreement.</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i600343219d14482b8da0034e3f4db4b1" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">87</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i18bb40f00ac54aee864165aac6d75ed4" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">45.&#160;&#160;&#160;&#160;Nominee</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i18bb40f00ac54aee864165aac6d75ed4" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">87</a></font></div></td></tr></table></div><div style="margin-top:12pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- iii -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SCHEDULES</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Schedule 1 &#8211; Representations and Warranties with Respect to Purchased Mortgage Loans</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Schedule 2 &#8211; Authorized Representatives</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Schedule 3 &#8211; Non-Affiliate Joint Venture Companies</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">EXHIBITS</font></div><div style="padding-left:72pt;text-indent:-72pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Exhibit&#160;A &#160;&#160;&#160;&#160;Form of Power of Attorney (Seller)</font></div><div style="padding-left:72pt;text-indent:-72pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:72pt;text-indent:-72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Exhibit&#160;B &#160;&#160;&#160;&#160;Escrow Instruction Letter</font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- iv -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_7"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">is a MASTER REPURCHASE AGREEMENT, dated as of November 14, 2024, by and between ATLAS SECURITIZED PRODUCTS, L.P. (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Atlas</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administrative Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) on behalf of Buyers, including but not limited to ATLAS SECURITIZED PRODUCTS FUNDING 2, L.P. (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Funding 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and together with Atlas, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and LOANDEPOT.COM, LLC (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ied7ab3be4138412ab62b7dddecf0aeb5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Applicability</font></div><div style="text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">From time to time the parties hereto may enter into transactions in which Seller agrees to transfer to Administrative Agent on behalf of Buyers certain Purchased Assets (as hereinafter defined) on a servicing released basis against the transfer of funds by Administrative Agent, with a simultaneous agreement by Administrative Agent on behalf of Buyers to transfer to Seller such Purchased Assets on a servicing released basis at a date certain or on demand, against the transfer of funds by Seller.  Each such transaction shall be referred to herein as a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and, unless otherwise agreed in writing, shall be governed by this Agreement, including any supplemental terms or conditions contained in any annexes identified herein, as applicable hereunder.  For the avoidance of doubt, and for administrative and tracking purposes, (a) the purchase and sale of each Purchased Mortgage Loan shall be deemed a separate Transaction and (b) with respect to each Designated Mortgage Loan, such Designated Mortgage Loan may, at Buyers&#8217; option, be sold to different Buyers on a pro rata basis, such that one Buyer pays the Purchase Price-Base and other Buyers pay the Purchase Price-Incremental 1 and Purchase Price-Incremental 2, as applicable, and, in which case, the Administrative Agent shall own the Designated Mortgage Loan, for the benefit of the purchasing Buyers, on a pro rata, pari passu basis.</font></div><div style="padding-left:36pt;text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Agreement is a commitment by Committed Buyer and&#47;or Administrative Agent on behalf of Committed Buyer to engage in the Transactions the subject of which are Purchased Mortgage Loans up to the Maximum Committed Purchase Price.  In no event shall the Committed Buyer and&#47;or Administrative Agent on behalf of Committed Buyer have any commitment to enter into any Transaction requested that would result in the aggregate Purchase Price of then-outstanding Transactions to exceed the Maximum Committed Purchase Price.  For the avoidance of doubt, Transactions attributed to the Maximum Committed Purchase Price shall solely be attributed to the Committed Buyer and Atlas, in its capacity as a buyer, shall have no commitment hereunder to enter into Transactions.</font></div><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ic2094869100e451eaa07e02551bb92c1"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Definitions</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings&#59; provided that any terms used but not otherwise defined herein shall have the meanings given to them in the Pricing Side Letter&#58; </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">1934 Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Securities Exchange Act of 1934, as amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Acceptable State</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any state acceptable pursuant to Seller&#8217;s Underwriting Guidelines.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 1 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Acceptable Valuation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Mortgaged Property or an REO Property, (a) on the Purchase Date, a FIRREA Appraisal (including, without limitation, property inspection waivers permitted pursuant to the Fannie Mae Guides and Freddie Mac Guides)&#59; (b) on any date after the initial Purchase Date, any other written valuation approved by the Administrative Agent in its sole discretion&#59; and (c) solely with respect to HELOCs and Second Lien Mortgage Loans, an AVM that is FIRREA compliant.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Accepted Servicing Practices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Mortgage Loan, those mortgage servicing practices of prudent mortgage lending institutions (including as set forth in the Fannie Mae Guides, the Freddie Mac Guides, the GNMA Guide, the FHA Regulations and the VA Regulations, if applicable) which service mortgage loans of the same type as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located, and which are in accordance with any applicable Agency servicing practices and procedures for mortgage-backed security pool mortgages as set forth in the applicable Agency guides, including future updates.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Act of Insolvency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Person, (a)&#160;(i) the filing of a petition by such Person commencing, or authorizing the commencement of any case or proceeding, or the voluntary joining by such Person of any case or proceeding under any bankruptcy, insolvency, reorganization, liquidation, dissolution or similar law relating to the protection of creditors, or (ii) suffering by such Person of any such petition or proceeding to be commenced by another which is consented to, not timely contested or results in entry of an order for relief, which, in the case of clause (ii) (and solely to the extent not consented to), remains undismissed, unstayed or in effect for a period of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or more&#59; (b)&#160;the seeking of the appointment of a receiver, trustee, custodian or similar official for such Person or any substantial part of the property of such Person&#59; (c)&#160;the appointment of a receiver, conservator, or manager for such Person by any governmental agency or authority having the jurisdiction to do so&#59; (d)&#160;the making or offering by such Person of a composition with its creditors or a general assignment for the benefit of creditors&#59; (e)&#160;the admission by a Responsible Officer of such Person of its inability to pay its debts or discharge its obligations as they become due or mature&#59; or (f)&#160;that any governmental authority or agency or any person, agency or entity acting or purporting to act under governmental authority shall have taken any action to condemn, seize or appropriate, or to assume custody or control of, all or any substantial part of the property of such Person, or shall have taken any action to displace the management of such Person or to curtail its authority in the conduct of the business of such Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 35</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Collateral</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;8.a(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administration Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Repo Administration and Allocation Agreement, dated as of the date hereof, by and among Seller, Atlas Securitized Products, L.P. as administrative agent and certain Buyers identified therein, as amended, restated, supplemented or otherwise modified from time to time. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 2 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administrative Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Atlas Securitized Products, L.P. or any successor thereto under the Administration Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Affiliate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any specified entity, any other entity directly or indirectly controlling, or controlled by, or under common control with such entity, provided that no securitization trust or special purpose vehicle that issues non-recourse debt shall be considered an Affiliate&#59; provided that, for the avoidance of doubt, with respect to Administrative Agent and Buyers, &#8220;Affiliate&#8221; means Atlas Securitized Products, L.P., WHCO Intermediate Holdings L.P., their respective Subsidiaries and any CP Conduit.  For the purposes of this definition, &#8220;control&#8221; means the power to direct the management and policies of such entity, directly or indirectly, whether through the ownership of voting equity, by contract or otherwise.  For the avoidance of doubt, none of the Permitted Holders, nor any joint venture of which Seller or LD Holdings Group LLC owns less than fifty percent (50%) of the equity interests therein nor any of the joint venture companies listed on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, shall be considered an Affiliate for purposes of this Agreement.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Freddie Mac, Fannie Mae or GNMA, as applicable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means approval by GNMA as an approved issuer, by FHA as an approved mortgagee, by VA as an approved VA lender, in each case in good standing, by Fannie Mae as an approved lender and Freddie Mac as an approved seller&#47;servicer, and, to the extent necessary, by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, collectively, Conforming Mortgage Loans, State Agency Program Loans, USDA Loans, FHA Loans and VA Loans (but not Early Buyout Loans).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency Security</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a mortgage-backed security issued by an Agency including a GNMA Security.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency-Required eNote Legend</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the legend or paragraph required by Fannie Mae, Freddie Mac or GNMA, as applicable, to be set forth in the text of an eNote, which includes the provisions set forth on an exhibit to the Custodial Agreement, as may be amended from time to time by Fannie Mae, Freddie Mac or GNMA, as applicable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aggregate Purchase Price-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as of any date of determination, the aggregate outstanding Purchase Price-Base for a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aggregate Purchase Price-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as of any date of determination, the aggregate outstanding Purchase Price-Incremental 1 for a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aggregate Purchase Price-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as of any date of determination, the aggregate outstanding Purchase Price-Incremental 2 for a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aging Limit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 3 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means this Master Repurchase Agreement, as it may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Allocated Percentage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Purchased Mortgage Loan, the percentage obtained by (a) with respect to the Purchase Price-Base, the Purchase Price Percentage-Base divided by the Purchase Price Percentage-Total&#59; (b) with respect to the Purchase Price-Incremental 1, the Purchase Price Percentage-Incremental 1 divided by the Purchase Price Percentage-Total and (c) with respect to the Purchase Price-Incremental 2, the Purchase Price Percentage-Incremental 2 divided by the Purchase Price Percentage-Total.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Appraised Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (i) the &#8220;as is&#8221; value set forth in an appraisal made in connection with the origination of the related Mortgage Loan as the value of the Mortgaged Property, (ii) in the case of property inspection waiver Mortgage Loans, the value accepted by Fannie Mae or Freddie Mac&#8217;s automated underwriting system as the value of the Mortgaged Property or (iii) in the case of Second Lien Mortgage Loans and HELOCs, the value set forth in the AVM.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Approved Product Type</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the documents in the related Asset File to be delivered to the Custodian.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset File</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Mortgage File.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Matrix</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Schedule</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Transaction as of any date, an Asset Schedule in the form prescribed by the Custodial Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any Purchased Mortgage Loan, the sum of the Asset Value-Base, the Asset Value-Incremental 1 and the Asset Value-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Purchase Price Percentage-Base, and (b) the applicable Maximum Value Amount&#59; provided that the Asset Value-Base of a Purchased Mortgage Loan may be reduced to zero by Administrative Agent or a Buyer if any Value Reduction Event shall occur. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Purchase Price Percentage-Incremental 1, and (b) the applicable Maximum Value Amount&#59; provided, that, the Asset Value-Incremental 1 of a Purchased Mortgage Loan may be reduced to zero by Administrative Agent or a Buyer if any Value Reduction Event shall occur.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Purchase Price </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 4 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Percentage-Incremental 2, and (b) the applicable Maximum Value Amount&#59; provided, that, the Asset Value-Incremental 2 of a Purchased Mortgage Loan may be reduced to zero by Administrative Agent or a Buyer if any Value Reduction Event shall occur.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment and Acceptance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment of Mortgage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means 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 assignment and pledge of the Mortgage.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment of Proprietary Lease</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the specific agreement creating a first lien on and pledge of the Co-op Shares and the appurtenant Proprietary Lease securing a Co-op Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Authoritative Copy</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a single authoritative copy of such document that is unique, identifiable and unalterable, is marked as the original and has no indication that it is a non-authoritative copy.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">AVM</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an automated valuation model providing computer-generated home appraisals for mortgages based on comparable sales, title records and other market factors, and having a minimum confidence score of at least 80%. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Bailee Letter</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the applicable Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Bank</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means JPMorgan Chase Bank, National Association and any successor or assign.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Bankruptcy Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the United States Bankruptcy Code of 1978, as amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficial Ownership Certification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a certification regarding beneficial ownership required by the Beneficial Ownership Regulation. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficial Ownership Regulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means 31 C.F.R. &#167; 1010.230. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">BPL &#8211; Holdback</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Business Purpose Mortgage Loan with respect to which there exists a Holdback Amount.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">BPL &#8211; Long</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Business Purpose Mortgage Loan with respect to which (a) the related Mortgaged Property consists of (i) eight (8) units or less or (ii) between </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> units and with an original outstanding principal amount less than $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and (b) the related maturity date is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or more from the date of the Mortgage Note. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Business Day</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any day other than (i)&#160;a Saturday or Sunday&#59; (ii)&#160;a day on which the New York Stock Exchange, the Federal Reserve Bank of New York or the Custodian is authorized or obligated by law or executive order to be closed or (iii) a public or bank holiday in New York City.  </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 5 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Business Purpose Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan with respect to which the related Mortgaged Property (a) is non-owner occupied&#59; (b) is primarily used for business or commercial purposes (as referenced in the Truth and Lending Act and its implementing regulation, Regulation Z)&#59; and (c) has been originated or acquired in accordance with Underwriting Guidelines.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Administrative Agent, in its capacity as a buyer, Funding 2 and each other Buyer which becomes a party hereto pursuant to and in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof and, with respect to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, its participants. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Capital Lease Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, for any Person, all obligations of such Person to pay rent or other amounts under a lease of (or other agreement conveying the right to use) Property to the extent such obligations are required to be classified and accounted for as a capital lease on a balance sheet of such Person under GAAP, and, for purposes of the Agreement, the amount of such obligations shall be the capitalized amount thereof, determined in accordance with GAAP. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Change in Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means&#58; </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font id="i3700d91f42754d72a5345598a391f3bc"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">any event or series of events by which any &#8220;person&#8221; or &#8220;group&#8221; (as such terms are used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended), but excluding any employee benefit plan of such person or its Subsidiaries, and any person or entity acting in its capacity as trustee, agent or other fiduciary or administrator of any such plan, other than the Permitted Holders becomes the &#8220;beneficial owner&#8221; (as defined in Rules 13d-3 and 13d-5 under the Securities Exchange Act of 1934, as amended) of fifty-one percent (51%) of the equity securities of loanDepot, Inc., a Delaware corporation, entitled to vote for members of the board of directors or equivalent governing body of Seller on a fully-diluted basis&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font id="i597c569127ae49c89f2f88572d89e7db"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">the sale, transfer, or other disposition of all or substantially all of Seller&#8217;s assets (excluding any such action taken in connection with any securitization transaction)&#59; or</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font id="i65488891aad54b5baba0dbedd166ab08"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">if Seller is a Delaware limited liability company, Seller enters into any transaction or series of transactions to adopt, file, effect or consummate a Division, or otherwise permits any such Division to be adopted, filed, effected or consummated. </font></div><div style="margin-bottom:6pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Clearing Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the account into which HUD, VA and USDA remit all Income (including, without limitation, claims and proceeds) on account of Early Buyout Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Internal Revenue Code of 1986, as amended.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Collection Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the account described in the Collection Account Control Agreement, into which all collections and proceeds on or in respect of the Purchased Mortgage Loans shall be deposited by Seller or Servicer.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Collection Account Control Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain collection account control agreement, dated as of the date hereof, among Administrative Agent, Seller and Bank, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 6 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Combined Loan to Value Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">CLTV</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any Second Lien Mortgage Loan or HELOC, the ratio of (i) the combined amount of the original amount (or the related credit limit with respect to a HELOC) of the Second Lien Mortgage Loan or HELOC, as applicable, plus all secured loans on the related property that are equal or senior in priority to that Second Lien Mortgage Loan or HELOC, as applicable, the Appraised Value of the Mortgaged Property at origination of the Second Lien Mortgage Loan or HELOC.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Commitment Fee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Committed Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Atlas Securitized Products Funding 2, L.P. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Committed Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Purchased Mortgage Loan which is the subject of a Take-out Commitment with a Take-out Investor.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Concentration Limit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Conforming Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a first lien Mortgage Loan, including State Agency Program Loans, originated in accordance with the criteria of an Agency for purchase of Mortgage Loans, including, without limitation, conventional Mortgage Loans, as determined by Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the &#8220;control&#8221; of such eNote within the meaning of UETA and&#47;or, as applicable, E-SIGN, which is established by reference to the MERS eRegistry and any party designated therein as the Controller. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Control Failure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the failure of the Controller status of the eNote in the MERS eRegistry to reflect Administrative Agent&#8217;s MERS Org ID as a result of an unauthorized Transfer of Control or unauthorized Transfer of Control and Location, in either case, initiated by Custodian or through Custodian&#8217;s system, in contravention of the terms of this Agreement&#59; provided that (i) Custodian delivered the most recent Custodial Mortgage Loan Schedule and exception report reflecting the Location status of the eNote as the Custodian&#8217;s MERS Org ID and the Controller status of the eNote as Administrative Agent&#8217;s MERS Org ID and (ii) the Controller status and Location status of such eNote have not been transferred pursuant to (x) a Request for Release of Documents (as defined in the Custodial Agreement) or (y) Administrative Agent&#8217;s written request or instruction. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Controller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the party designated in the MERS eRegistry as the &#8220;Controller&#8221;, and who in such capacity shall be deemed to be &#8220;in control&#8221; or to be the &#8220;controller&#8221; of such eNote within the meaning of UETA or E-SIGN, as applicable. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Corporation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, the cooperative apartment corporation that holds legal title to the related Co-op Project and grants occupancy rights to units therein to stockholders through Proprietary Leases or similar arrangements.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan secured by the pledge of stock allocated to a Co-op Unit in a Co-op Corporation and collateral assignment of the related Proprietary Lease.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 7 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Project</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, all real property and improvements thereto and rights therein and thereto owned by a Co-op Corporation including without limitation the land, separate dwelling units and all common elements.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, the shares of stock issued by a Co-op Corporation and allocated to a Co-op Unit and represented by a Stock Certificates.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Unit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, a specific unit in a Co-op Project.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">CP Conduit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any Buyer that is an asset-backed commercial paper conduit. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Credit Limit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each HELOC, the maximum amount permitted under the terms of the related Credit Line Agreement as identified in the related Asset Schedule.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Credit Line Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each HELOC, the related home equity line of credit agreement, account agreement and promissory note (if any) executed by the related Mortgagor and any amendment or modification thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Custodial Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the custodial agreement, dated as of the date hereof, among Seller, Administrative Agent, Buyers and Custodian identified therein, as it may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Custodial Mortgage Loan Schedule</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Custodian</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Deutsche Bank National Trust Company or such other party specified by Administrative Agent and agreed to by Seller, which approval shall not be unreasonably withheld.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Daily Simple SOFR</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, for any day, SOFR, with conventions (including, without limitation, a lookback) established by the Administrative Agent in its sole good faith discretion in accordance with the conventions for this rate selected or recommended by the Relevant Governmental Body for determining &#8220;Daily Simple SOFR&#8221;&#59; provided that, if the Administrative Agent determines that any such convention is not administratively, operationally, or technically feasible for the Administrative Agent, then the Administrative Agent may establish another convention in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">DE Compare Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Two Year FHA Direct Endorsement Lender Compare Ratio, excluding streamline FHA refinancings, as made publicly available by HUD.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Debtor Relief Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any law, administration, or regulation relating to reorganization, winding up, administration, composition or adjustment of debts or otherwise relating to bankruptcy or insolvency. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an Event of Default or an event that with notice or lapse of time or both would become an Event of Default.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 8 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Delegatee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the party designated in the MERS eRegistry as the &#8220;Delegatee&#8221; or &#8220;Delegatee for Transfers&#8221;, and in such capacity is authorized by the Controller to perform certain MERS eRegistry transactions on behalf of the Controller such as Transfers of Control and Transfers of Control and Location. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Delinquency Advance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any advance made by Seller under the Servicing Agreements, to cover due, but uncollected or unavailable as a result of funds not yet being cleared, principal and interest payments on the Purchased Mortgage Loans included in the portfolio of Purchased Mortgage Loans serviced by Seller pursuant to the Servicing Agreements, including Purchased Mortgage Loans with respect to which the related Mortgaged Property is being held pending liquidation.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Designated Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Purchased Mortgage Loan that is identified by Administrative Agent as eligible for a Purchase Price-Base, a Purchase Price-Incremental 1 and&#47;or a Purchase Price-Incremental 2. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Disqualification Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Designated Mortgage Loan which has Purchase Price-Incremental 2, the occurrence of any of the following events&#58; (a) a Participant materially breaches the applicable Participation Agreement, (b) an Act of Insolvency occurs with respect to a Participant, (c) the failure of a Participant to purchase the participation interest pursuant to a Participation Agreement with respect to a Designated Mortgage Loan, (d) the Administrative Agent, a Participant or a Buyer shall have determined in its sole good faith discretion that the introduction of or a change in any Requirement of Law or in the interpretation or administration of any Requirement of Law applicable to Administrative Agent, any Participant or any Buyer has made it unlawful, for Administrative Agent, any Participant or any Buyer to purchase Purchased Mortgage Loan or participations in Transactions, or (e) the Administrative Agent determines in its sole discretion, that it will no longer enter into Transactions comprised of Purchase Price-Incremental 2 on account of a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Division</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the division of a limited liability company into two or more limited liability companies pursuant to and in accordance with Section 18-217 of Chapter 18 of the Delaware Limited Liability Company Act, 6 Del. C. &#167;&#167; 18-101 et seq., as amended. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Dollars</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">$</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means dollars in lawful currency of the United States of America.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Draw</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each HELOC, an additional borrowing by the Mortgagor in accordance with the related Credit Line Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Due Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the day of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive of any days of grace. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Early Buyout</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the purchase of a modified or delinquent FHA Loan, VA Loan or USDA Loan by Seller from a pool of mortgage loans backing a GNMA Security.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Early Buyout Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an FHA Loan, USDA Loan or VA Loan which is subject to an Early Buyout and is a Purchased Mortgage Loan.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 9 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Effective Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the date upon which the conditions precedent set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 10</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall have been satisfied.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Electronic Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means MERSCORP Holdings, Inc., or its successor in interest or assigns. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Electronic Record</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as the context requires, (i) &#8220;Record&#8221; and &#8220;Electronic Record,&#8221; both as defined in E-SIGN, and shall include but not be limited to, recorded telephone conversations, fax copies or electronic transmissions, including without limitation, those involving the Warehouse Electronic System, and (ii) with respect to an eMortgage Loan, the related eNote and all other documents comprising the Mortgage File electronically created and that are stored in an electronic format, if any. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Electronic Tracking Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means one or more Electronic Tracking Agreements with respect to (x) the tracking of changes in the ownership, mortgage servicers and servicing rights ownership of Purchased Mortgage Loans held on the MERS System, and (y) the tracking of the Control of eNotes held on the MERS eRegistry, each in a form acceptable to Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eMortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan that is a Conforming Mortgage Loan (other than an FHA Loan or VA Loan) with respect to which there is an eNote and as to which some or all of the other documents comprising the related Mortgage File may be created electronically and not by traditional paper documentation with a pen and ink signature. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any eMortgage Loan, the electronically created and stored Mortgage Note that is a Transferable Record. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Delivery Requirements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 3(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Replacement Failure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in the Custodial Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Secured Party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the party designated in the MERS eRegistry as the &#8220;Secured Party&#8221;.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">ERISA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Employee Retirement Income Security Act of 1974, as amended from time to time and any successor thereto, and the regulations promulgated and administrative rulings issued thereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">ERISA Affiliate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any corporation or trade or business that, together with Seller is treated as a single employer under Section 414(b) or (c) of the Code or solely for purposes of Section 302 of ERISA and Section 412 of the Code is treated as single employer described in Section 414 of the Code.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Escrow Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Fourth Amended and Restated Escrow Agreement dated as of August 16, 2016 among </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and such other parties joined thereto from </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 10 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">time to time, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Escrow Instruction Letter</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Escrow Instruction Letter from Seller to the Settlement Agent, in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit&#160;B</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Escrow Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, 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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eVault</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an electronic repository established and maintained by an eVault Provider for delivery and storage of eNotes.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"> </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eVault Provider</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Document Systems, Inc. d&#47;b&#47;a DocMagic, or its successor in interest or assigns, or such other entity agreed upon by Custodian or Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Event of Termination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to Seller (a) with respect to any Plan, a reportable event, as defined in Section 4043 of ERISA, as to which the PBGC has not by regulation waived the requirement of Section 4043(a) of ERISA that it be notified within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of the occurrence of such event, or (b) 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 4001(a)(2) of ERISA, or (c) the failure by Seller or any ERISA Affiliate thereof to meet the minimum funding standard of Section 412 of the Code or Section 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&#160;412(m) of the Code (or Section&#160;430(j) of the Code as amended by the Pension Protection Act) or Section&#160;302(e) of ERISA (or Section&#160;303(j) of ERISA, as amended by the Pension Protection Act), (d) the distribution under Section 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, or (e) the failure to meet requirements of Section 436 of the Code resulting in the loss of qualified status under Section 401(a)(29) of the Code, or (f) the institution by the PBGC of proceedings under Section 4042 of ERISA for the termination of, or the appointment of a trustee to administer, any Plan, or (g) the receipt by Seller or any ERISA Affiliate thereof of a notice from a Multiemployer Plan that action of the type described in the previous clause (f) has been taken by the PBGC with respect to such Multiemployer Plan, or (h) 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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Excluded Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any of the following Taxes imposed on or with respect to a Buyer or other recipient of any payment hereunder or required to be withheld or deducted from a payment to such Buyer or such other recipient&#58; (a) Taxes based on (or measured by) net income </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 11 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or net profits, franchise Taxes and branch profits Taxes that are imposed on a Buyer or other recipient of any payment hereunder as a result of (i) 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) a present or former connection between such Buyer or other recipient and the jurisdiction of the Governmental Authority imposing such Tax or any political subdivision or taxing authority thereof (other than connections arising from such Buyer or other recipient 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 under this Agreement or any Program Agreement, or sold or assigned an interest in any Purchased Mortgage Loan)&#59; (b) any Tax imposed on a Buyer or other recipient of a payment hereunder that is attributable to such Buyer&#8217;s or other recipient&#8217;s failure to comply with relevant requirements set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; (c) any withholding Tax that is imposed on amounts payable to or for the account of such Buyer or other recipient of a payment hereunder pursuant to a law in effect on the date such person becomes a party to or under this Agreement, or such person changes its lending office, except in each case to the extent that amounts with respect to Taxes were payable either to such person&#8217;s assignor immediately before such person became a party hereto or to such person immediately before it changed its lending office&#59;  and (d) any U.S. federal withholding Taxes imposed under FATCA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Existing Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(23)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">E-SIGN</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. &#167; 7001 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">et seq</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Fannie Mae</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal National Mortgage Association or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Fannie Mae Guides</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Fannie Mae Seller&#8217;s Guide and Fannie Mae Servicers&#8217; Guide and all amendments or additions thereto, including, but not limited to, future updates thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FATCA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; &#160;&#160;&#160;&#160;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 and any agreements entered into pursuant to Section 1471(b)(1) of the Code.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 26(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDICIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 26(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Housing Administration, an agency within the HUD, or any successor thereto, and including the Federal Housing Commissioner and the Secretary of HUD where appropriate under the FHA Regulations. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 12 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Approved Mortgagee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a corporation or institution approved as a mortgagee by the FHA under the National Housing Act, as amended from time to time, and applicable FHA Regulations, and eligible to own and service mortgage loans such as the FHA Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Connection System</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the FHA Connection system, together with any successor FHA electronic access portal.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan which is the subject of an FHA Mortgage Insurance Contract.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Mortgage Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, mortgage insurance authorized under the National Housing Act, as amended from time to time, and provided by the FHA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Mortgage Insurance Contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the contractual obligation of the FHA respecting the insurance of a Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Regulations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the regulations promulgated by the HUD under the National Housing Act, as amended from time to time and codified in 24 Code of Federal Regulations, and other HUD issuances relating to FHA Loans, including the related handbooks, circulars, notices and mortgagee letters.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FICO</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Fair Isaac &#38; Corporation, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Fidelity Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means 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 Seller&#8217;s regulators.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Financial Covenants</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 14.jj</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FIRREA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Financial Institutions Reform, Recovery and Enforcement Act of 1989.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FIRREA Appraisal</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an opinion of the &#8220;as is&#8221; fair market value of a Mortgaged Property or an REO Property that (a) is given by a licensed real estate agent or broker in conformity with customary and usual business practices, which includes comparable sales and comparable listings and (b) complies with the criteria set forth in FIRREA for an &#8220;appraisal&#8221; or if an appraisal is not required by the statute, an &#8220;evaluation&#8221;.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Freddie Mac</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Home Loan Mortgage Corporation or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Freddie Mac Guides</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any and all applicable rules, regulations, requirements and guidelines of Freddie Mac, including the Freddie Mac Guide and including any representations and warranties incorporated into any sale contract with Freddie Mac.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 13 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GAAP</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means generally accepted accounting principles in effect from time to time in the United States of America and applied on a consistent basis.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Government National Mortgage Association and any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA Guide</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the GNMA Mortgage-Backed Securities Guide, Handbook 5500.3, Rev. 1, as amended from time to time, and any related announcements, directives and correspondence issued by GNMA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA Haircut Amount</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Simultaneously Funded Early Buyout Loan, an amount equal to (i) the amount due to GNMA to repurchase such Mortgage Loan from GNMA less (ii) the Purchase Price for such Mortgage Loan. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA Security</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a mortgage-backed security guaranteed by GNMA pursuant to the GNMA Guide.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Governmental Authority</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any nation or government, any state or other political subdivision thereof, or any entity exercising executive, legislative, judicial, regulatory or administrative functions over Seller, Administrative Agent or any Buyer, as applicable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Gross Margin</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each adjustable rate Mortgage Loan, the fixed percentage amount set forth in the related Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Guarantee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Hash Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the unique, tamper-evident digital signature of such eNote that is stored with MERS. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">HELOC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a home equity revolving line of credit secured by a first lien or second lien on the related Mortgaged Property.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">High Cost Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan (a) classified as a &#8220;high cost&#8221; loan under the Home Ownership and Equity Protection Act of 1994&#59; (b)&#160;classified as a &#8220;high cost,&#8221; &#8220;threshold,&#8221; &#8220;covered,&#8221; or &#8220;predatory&#8221; 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&#47;or fees) or (c) having a percentage listed under the Indicative Loss Severity Column (the column that appears in the S&#38;P Anti-Predatory Lending Law Update Table, included in the then-current S&#38;P&#8217;s LEVELS&#174; Glossary of Terms on Appendix E). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Holdback Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an account held by Servicer pursuant to the terms of the applicable Servicing Agreement, if any, in each case, into which any Holdback Amounts with respect to BPL &#8211; Holdback may be deposited and held. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 14 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Holdback Amount</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a BPL &#8211; Holdback, such escrow or holdback amounts that are advanced by the related originator but not disbursed to the related Mortgagor at such Mortgage Loan&#8217;s origination date, with such undisbursed amounts being held by the applicable Servicer in the related Holdback Account for funding amounts for the related Mortgagor to improve and rehabilitate the related Mortgaged Property in accordance with the related Servicing Agreement and Asset Documents.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Hsieh Investors</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">HUD</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the United States Department of Housing and Urban Development or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan, without duplication, all principal and income or dividends or distributions received with respect thereto, including any sale or liquidation premiums, liquidation proceeds, insurance proceeds, dividends or other distributions payable thereon or any fees or payments of any kind received by the related Servicer (net of any servicing fees and advances then due and owing pursuant to the terms of the applicable Servicing Agreement).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnified Party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 30</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnified Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a) Taxes, other than Excluded Taxes, imposed on or with respect to any payment made by or on account of any obligation of the Seller hereunder or under any Program Agreement and (b) Other Taxes.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Index</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any adjustable rate Mortgage Loan, the index identified on the Asset Schedule and set forth in the related Mortgage Note for the purpose of calculating the applicable Mortgage Interest Rate.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Intercreditor Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Fourth Amended and Restated Intercreditor Agreement dated as of August 16, 2016 among </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and such other parties joined thereto from time to time, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Interest Rate Adjustment Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the date on which an adjustment to the Mortgage Interest Rate with respect to each Mortgage Loan becomes effective.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Interest Rate Protection Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any or all of the Purchased Mortgage Loans, or any short sale of a security issued by the U.S. Department of the Treasury, 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 interest obligations, either generally or under specific contingencies, entered into by Seller.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 15 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Joint Securities Account Control Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Fourth Amended and Restated Joint Securities Account Control Agreement dated as of August 16, 2016 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and such other parties joined thereto from time to time, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">LD Holdings</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means LD Holdings Group LLC, a Delaware limited liability</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Lender Insurance Authority</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the permission granted to certain FHA-approved lenders to process single family mortgage applications without first submitting documentation to the United States Department of Housing and Urban Development as set forth in 12 U.S.C. &#167;1715z-21 and the regulations enacted thereunder set forth in 24 CFR &#167;203.6.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Lien</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any mortgage, lien, pledge, charge, security interest or similar encumbrance.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Loan to Value Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">LTV</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any Mortgage Loan, the ratio of the original outstanding principal amount (or the related credit limit with respect to a HELOC) of such Mortgage Loan to the Appraised Value of the Mortgaged Property at origination.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Location</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the location of such eNote which is established by reference to the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deadlines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deficit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Market Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Master Servicer Field</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the field entitled, &#8220;Master Servicer&#8221; in the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Material Adverse Effect</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a)&#160;a material adverse change in, or a material adverse effect upon, the operations, business, properties or condition (financial or otherwise) of Seller or any Affiliate that is a party to any Program Agreement taken as a whole&#59; (b)&#160;a material impairment of the ability of Seller or any Affiliate that is a party to any Program Agreement to perform under any Program Agreement and to avoid any Event of Default&#59; or (c)&#160;a material adverse effect upon the legality, validity, binding effect or enforceability of any Program Agreement against Seller or any Affiliate that is a party to any Program Agreement, in each case as determined by the Administrative Agent in its good faith discretion. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Aggregate Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Available Committed Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 16 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Available Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Committed Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Value Amount</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, on each date of determination, an amount equal to (a) with respect to any Purchased Mortgage Loan (other than a Business Purpose Mortgage Loan), as of any date of determination, an amount equal to the least of (i) the Market Value thereof, (ii) the purchase price paid by the Seller (if </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) or (iii) the unpaid principal balance thereof and (b) with respect to a Business Purpose Mortgage Loan, an amount equal to the lesser of (i) the unpaid principal balance (which, for the avoidance of doubt, shall not include any Holdback Amounts whether or not reflected in the unpaid principal balance) thereof, and (ii) the Market Value thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MBA Method of Delinquency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to Mortgage Loans, the methodology used by the Mortgage Bankers Association for assessing delinquency. For the avoidance of doubt, under the MBA Method of Delinquency, a Mortgage Loan is considered &#8220;30 days delinquent&#8221; if the Mortgagor fails to make a monthly payment prior to the close of business on the day that immediately precedes the due date on which the next monthly payment is due. For example, a Mortgage Loan will be considered thirty (30) days delinquent if the Mortgagor fails to make a monthly payment originally due on October 1 by the close of business on October 30.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS eDelivery</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the transmission system operated by the Electronic Agent that is used to deliver eNotes, other Electronic Records and data from one MERS eRegistry member to another using a system-to-system interface and conforming to the standards of the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS eRegistry</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the electronic registry operated by the Electronic Agent that acts as the legal system of record that identifies the Controller, Delegatee and Location of the Authoritative Copy of registered eNotes. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS Org ID</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a seven-digit number assigned by MERSCORP Holdings that uniquely identifies a member entity on the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS System</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the mortgage electronic registry system operated by the Electronic Agent that tracks changes in Mortgage ownership, mortgage servicers and servicing rights ownership.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Monthly Payment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the scheduled monthly payment of principal and&#47;or interest on a Mortgage Loan.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 17 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Moody&#8217;s</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Moody&#8217;s Investors Service, Inc. or any successors thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each mortgage, assignment of rents, security agreement and fixture filing, or deed of trust, assignment of rents, security agreement and fixture filing, deed to secure debt, assignment of rents, security agreement and fixture filing, 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 Co-op Loan, in which case the first lien position is in the Co-op Shares and in the Proprietary Lease relating to such Co-op Shares.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage File</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Mortgage Loan, the documents and instruments relating to such Mortgage Loan and set forth in an exhibit to the Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Interest Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the rate of interest borne on a Mortgage Loan from time to time in accordance with the terms of the related Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Interest Rate Cap</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an adjustable rate Mortgage Loan, the limit on each Mortgage Interest Rate adjustment as set forth in the related Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any Approved Product Type which is a fixed or floating rate, one to four family residential mortgage or home equity loan evidenced by a promissory note and secured by a first (or, in the case of Second Lien Mortgage Loans or second lien HELOCs, second) lien mortgage, which satisfies the requirements set forth in the Underwriting Guidelines and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof&#59; provided that Mortgage Loans shall not include any High Cost Mortgage Loans and shall not include home equity conversion loans. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Note</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the promissory note or other evidence of the indebtedness of a Mortgagor secured by a Mortgage, including the Credit Line Agreement in the case of a HELOC.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgaged Property</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the real property or other Co-op Loan collateral securing repayment of the debt evidenced by a Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgagor</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the obligor or obligors on a Mortgage Note, including any person who has assumed or guaranteed the obligations of the obligor thereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Multiemployer Plan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a multiemployer plan defined as such in Section 3(37) of ERISA to which contributions have been or are required to be made by Seller or any ERISA Affiliate and that is covered by Title IV of ERISA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Nominee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Seller, or any successor Nominee appointed by Administrative Agent following the occurrence and during the continuance of an Event of Default.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate MRA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 18 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Agency Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan other than an Early Buyout Loan that (a)&#160;is not a Non-Agency Non-QM Mortgage Loan&#59; (b) either (i) does not meet the criteria for an Agency Mortgage Loan or (ii) is an Agency Mortgage Loan that is aggregated for placement into a private label securitization or for sale to a Take-out Investor other than an Agency&#59; (c)&#160;meets all applicable criteria as set forth in the Underwriting Guidelines and (d) is identified as a Non-Agency Mortgage Loan by Administrative Agent and Seller.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Agency Non-QM Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; a Non-Agency Mortgage Loan that (a) does not meet the criteria for a Qualified Mortgage Loan&#59; (b) meets all applicable criteria as set forth in the Underwriting Guidelines and (c) is otherwise acceptable to Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Performing Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a)&#160;any Mortgage Loan for which any payment of principal or interest is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or more days past due (according to the MBA Method of Delinquency), (b)&#160;any Mortgage Loan with respect to which the related mortgagor is in bankruptcy or (c)&#160;any Mortgage Loan with respect to which the related mortgaged property is in foreclosure.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">OFAC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(27)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Officer&#8217;s Compliance Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Ordinary Course Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any litigation or arbitration proceeding commenced by a Mortgagor, or the assertion by a Mortgagor of any common or necessary or compulsory cause of action, defense or counterclaim, seeking to enjoin, hinder, delay, set aside or temporarily restrain a foreclosure proceeding or other enforcement action commenced by the holder or servicer of a Mortgage Loan or real estate owned Property in the ordinary course of its business.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Other Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any and all present or future stamp, court or documentary, intangible, recording, filing or similar Taxes or any excise, sales, goods and services or transfer taxes, charges or similar levies arising from any payment made hereunder or from the execution, delivery, performance, enforcement or registration of, from the receipt or perfection of a security interest under, or otherwise with respect to, any Program Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Parthenon Investors</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Participant</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any participant as contemplated by </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22.b</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement which has entered into a Participation Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Participation Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a participation agreement by and among a Participant, the Administrative Agent and the Buyers in form and substance acceptable to Administrative </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 19 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Agent, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Payment Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, (a) with respect to the payment of Price Differential, the fifth (5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) day of the month and (b) with respect to the payment of all other amounts due hereunder, the twelfth (12</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) day of the month&#59; provided, that, in the case of clauses (a) and (b) if any such day is not a Business Day, the Payment Date shall be the next succeeding Business Day and provided, further, the final Payment Date shall be the related Repurchase Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">PBGC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Pension Benefit Guaranty Corporation or any entity succeeding to any or all of its functions under ERISA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pension Protection Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Pension Protection Act of 2006.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Permitted Holders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any of the Hsieh Investors and the Parthenon Investors.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an individual, partnership, corporation (including a business trust), limited liability company, joint stock company, trust, unincorporated association, joint venture or other entity, or a government or any political subdivision or agency thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Plan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an employee pension benefit or other plan as defined in Section 3(2) of ERISA, established or maintained by Seller or any ERISA Affiliate and covered by Title&#160;IV of ERISA, other than a Multiemployer Plan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pool</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a subset of Purchased Mortgage Loans subject to Transactions which shall be identified from time to time by the Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pool Subdivision Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a written notice delivered by Administrative Agent to Seller, which shall identify the discrete Purchased Mortgage Loans which shall be allocated to different Pools. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Post-Default Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Power of Attorney</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Power of Attorney substantially in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto delivered by Seller. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, for each Purchased Mortgage Loan, calculated daily on the basis of a 360-day year for the actual number of days during each Pricing Period, the sum of the Price Differential-Base, Price Differential-Incremental 1 and Price Differential-Incremental 2 for such Pricing Period. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Pricing Rate-Base and (b) the Aggregate Purchase Price-Base.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 20 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Pricing Rate-Incremental 1 and (b) the Aggregate Purchase Price-Incremental 1.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Pricing Rate-Incremental 2 and (b) the Aggregate Purchase Price-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Floor</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Payment Date, the period commencing on (and including) the date that is the first calendar day of the preceding month and terminating on (and including) the earlier of (i) the Repurchase Date and (ii) last calendar day of the preceding month&#59; provided, that the initial Pricing Period shall commence on the initial Purchase Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to each Purchased Mortgage Loan, the sum of (a) with respect to the Purchase Price-Base, the Pricing Rate-Base&#59; (b) with respect to the Purchase Price-Incremental 1, if any, the Pricing Rate-Incremental 1 and (c) with respect to the Purchase Price-Incremental 2, if any, the Pricing Rate-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to the Purchase Price-Base, the sum of (a) the greater of (i) the Reference Rate and (ii) the Pricing Floor plus (b) the applicable percentage listed in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to the Purchase Price-Incremental 1, the sum of (a) the greater of (i) the Reference Rate and (ii) the Pricing Floor plus (b) the applicable percentage listed in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to the Purchase Price-Incremental 2, the sum of (a) the greater of (i) the Reference Rate and (ii) the Pricing Floor plus (b) the applicable percentage listed in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Side Letter</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the letter agreement dated as of the date hereof, among Administrative Agent, Buyers and Seller, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Principal Paydown Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means payments of principal, including full and partial prepayments, related to the Purchased Mortgage Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Program Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means such account identified by Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Program Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, collectively, this Agreement&#59; the Administration Agreement&#59; Custodial Agreement&#59; the Pricing Side Letter&#59; the Electronic Tracking Agreement&#59; the Collection Account Control Agreement&#59; the Power of Attorney&#59; each Servicing Agreement&#59; each Servicer Notice&#59; when entered into, the Escrow Agreement, the Intercreditor Agreement and the Joint Securities Account Control Agreement.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 21 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibited Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(27)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Property</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any right or interest in or to property of any kind whatsoever, whether real, personal or mixed and whether tangible or intangible.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Proprietary Lease</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the lease on a Co-op Unit evidencing the possessory interest of the owner in the Co-op Shares in such Co-op Unit.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Protective Advance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any servicing advance (including, but not limited to, any advance made to pay taxes and insurance premiums&#59; any advance to pay the costs of protecting the value of any real property or other security for a mortgage loan&#59; and any advance to pay the costs of realizing on the value of any such security) made by Seller in connection with any Purchased Mortgage Loans that are Early Buyout Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the date on which a Purchased Asset is to be transferred by Seller to Administrative Agent for the benefit of Buyers.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the price at which each Purchased Mortgage Loan is transferred by or contributed to Seller, as applicable, to Administrative Agent for the benefit of Buyers, which shall equal&#58; </font></div><div style="margin-top:12pt;padding-left:36pt;padding-right:36pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a) on the applicable Purchase Date, the applicable Purchase Price-Base plus the Purchase Price-Incremental 1, if any plus the Purchase Price-Incremental 2, if any&#59; and</font></div><div style="margin-bottom:12pt;margin-top:12pt;padding-left:36pt;padding-right:36pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b) on any day after the Purchase Date, except where Administrative Agent for the benefit of Buyers and Seller agree otherwise, the amount determined under the immediately preceding clause&#160;(a), (i) increased by the amount of any additional Purchase Price-Incremental 1 and additional Purchase Price-Incremental 2 advanced pursuant to this Agreement and (ii) decreased by the amount of any cash transferred by Seller and applied to reduce Seller&#8217;s Obligations in accordance with this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan&#58; (a) on the applicable Purchase Date, the amount remitted by Administrative Agent, on behalf of Buyers, to Seller which shall not exceed the product of (i) the applicable Purchase Price Percentage-Base, and (ii) the applicable Maximum Value Amount, and (b) on any day after the applicable Purchase Date, the amount determined in the immediately preceding clause (a) and increased or decreased in accordance with the definition of Purchase Price set forth herein. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan&#58; (a) on the applicable Purchase Date, the amount remitted by Administrative Agent, on behalf of Buyers, to Seller which shall not exceed the product of (i) the applicable Purchase Price Percentage-Incremental 1, and (ii) the applicable Maximum Value Amount, and (b) on any day after the applicable Purchase Date, the amount determined in the immediately preceding clause </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 22 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a) and increased or decreased in accordance with the definition of Purchase Price set forth herein. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan&#58; (a) on the applicable Purchase Date, the amount remitted by Administrative Agent, on behalf of Buyers, to Seller which shall not exceed the product of (i) the applicable Purchase Price Percentage-Incremental 2, and (ii) the applicable Maximum Value Amount, and (b) on any day after the applicable Purchase Date, the amount determined in the immediately preceding clause (a) and increased or decreased in accordance with the definition of Purchase Price set forth herein. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, (a) with respect to the Purchase Price-Base, the Purchase Price Percentage-Base&#59; (b) with respect to the Purchase Price-Incremental 1, if any, the Purchase Price Percentage-Incremental 1 and (c) with respect to the Purchase Price-Incremental 2, if any, the Purchase Price Percentage-Incremental 2. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage - Total</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan, the sum of (a) the Purchase Price Percentage-Base, plus (b) the Purchase Price Percentage-Incremental 1 plus (c) the Purchase Price Percentage-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchased Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the collective reference to Purchased Mortgage Loans together with the Repurchase Assets related to such Purchased Mortgage Loans transferred by Seller to Administrative Agent for the benefit of Buyers in a Transaction hereunder and&#47;or listed on the related Asset Schedule attached to the related Transaction Request, which such Asset Files the Custodian has been instructed to hold for the benefit of Administrative Agent pursuant to the Custodial Agreement until such asset has been repurchased by Seller in accordance with the terms of this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchased Mortgage Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each Mortgage Loan and the Servicing Rights and Asset Documents related to such Mortgage Loan transferred by Seller to Administrative Agent for the benefit of Buyers in a Transaction hereunder, listed on the related Asset Schedule attached to the related Transaction Request, which such Mortgage Loans the Custodian has been instructed to hold pursuant to the Custodial Agreement until such asset has been repurchased by Seller in accordance with the terms of this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Qualified Insurer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an insurance company duly authorized and licensed where required by law to transact insurance business and approved as an insurer by Fannie Mae or Freddie Mac or GNMA, as applicable.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 23 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Qualified Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan which is a &#8220;Qualified Mortgage&#8221; as defined in 12 CFR 1026.43(e). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Qualified Originator</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an originator of Mortgage Loans which is acceptable under the Underwriting Guidelines. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Recognition Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, an agreement among a Co-op Corporation, a lender and a Mortgagor with respect to a Co-op Loan whereby such parties (i) acknowledge that such lender may make, or intends to make, such Co-op Loan, and (ii) make certain agreements with respect to such Co-op Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Records</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means all instruments, agreements and other books, records, and reports and data generated by other media for the storage of information maintained by Seller, Servicer or any other person or entity with respect to a Purchased Asset.  Records shall include the Mortgage Notes, any Mortgages, the Asset Files and the credit files, in each case, related to the Purchased Asset and any other instruments necessary to document or service a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Reference Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Daily Simple SOFR, or a Successor Rate pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Register</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Relevant Governmental Body</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Reserve Board and&#47;or the Federal Reserve Bank of New York, or a committee officially endorsed or convened by the Federal Reserve Board and&#47;or the Federal Reserve Bank of New York, or any successor of any of the foregoing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remittance Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means such date as mutually agreed to by Seller and Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remittance Report Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Pricing Period, the close of business on the final day of such Pricing Period, or the next succeeding Business Day, if such calendar day shall not be a Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">REO Property</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means real property acquired through foreclosure of a Purchased Mortgage Loan or by deed in lieu of such foreclosure.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledge Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 18</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledgee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each Repledgee identified by the Administrative Agent from time to time pursuant to the Administration Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Reporting Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the fifteenth (15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) calendar day of each month or, if such day is not a Business Day, the next succeeding Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned thereto in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;8</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 24 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the earlier of (a) the Termination Date, (b) the date requested pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> the date determined by application of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the price at which Purchased Assets are to be transferred from the Administrative Agent for the benefit of Buyers to Seller upon termination of a Transaction, which will be determined in each case (including Transactions terminable upon demand) as the sum of the Purchase Price for such Purchased Assets and the accrued but unpaid Price Differential relating to such Purchased Assets as of the date of such determination.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Request for Certification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a notice sent to the Custodian reflecting the sale of one or more Purchased Mortgage Loans to Administrative Agent for the benefit of Buyers hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Requirement of Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Person, any law, treaty, rule or regulation or determination of an arbitrator, a court or other governmental authority, applicable to or binding upon such Person or any of its property or to which such Person or any of its property is subject.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Responsible Officer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means as to any Person, the chief executive officer or, with respect to financial matters, the chief financial officer of such Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">S&#38;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">P&#8221; means Standard &#38; Poor&#8217;s Ratings Services, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Scratch and Dent Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a first lien Mortgage Loan that </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SEC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Securities and Exchange Commission, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Second Lien &#8211; Prime</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Second Lien Mortgage Loan that has (a) a CLTV of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or less and (b) a FICO score of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or greater. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Second Lien &#8211; Standard</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Second Lien Mortgage Loan that has (a) a CLTV greater than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and not to exceed </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or (b) a FICO score less than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Second Lien Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a closed-end Mortgage Loan secured by a second lien on the related Mortgaged Property.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means loanDepot.com, LLC or its permitted successors and assigns.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned thereto in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8.a(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Seller and any other servicer or subservicer approved by Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to Purchased Mortgage Loans serviced by any third party Servicer, the account as identified in the related Servicing Agreement into which such Servicer deposits Income and related collections.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer Advance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Delinquency Advance or a Protective Advance.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 25 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the notice acknowledged by Servicer (if Servicer is not Seller) or, with respect Early Buyout Loans, in such form as mutually agreed to by Seller and Administrative Agent, in each case, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicing Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any servicing agreement entered into between Seller and Servicer (if Servicer is not Seller), as the same may be amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicing Rights</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means rights of any Person to administer, service or subservice, the Purchased Mortgage Loans or to possess related Records.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Settlement Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Transaction the subject of which is a Wet-Ink Mortgage Loan, the entity approved by Administrative Agent, in its sole good-faith discretion, which may be a title company, escrow company or attorney in accordance with local law and practice in the jurisdiction where the related Wet-Ink Mortgage Loan is being originated.  A Settlement Agent is deemed approved unless Administrative Agent notifies Seller otherwise at any time electronically or in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Severance Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Simultaneously Funded Early Buyout Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an Early Buyout which Seller intends to be repurchased from GNMA substantially concurrently with the funding of the related Transaction hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SIPA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Securities Investor Protection Act of 1970, as amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any SOFR Business Day, a rate per annum equal to the secured overnight financing rate for such SOFR Business Day published by the SOFR Administrator on the SOFR Administrator&#8217;s Website at approximately 8</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> on the immediately succeeding SOFR Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR Administrator</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Reserve Bank of New York (or any successor administrator of the secured overnight financing rate).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR Administrator&#8217;s Website</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the SOFR Administrator&#8217;s website, currently at http&#58;&#47;&#47;www.newyorkfed.org, or any successor source for the secured overnight financing rate identified as such by the SOFR Administrator from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR Business Day</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a day on which banks are open for dealing in foreign currency and exchange in London, New York City and Washington, D.C.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">State Agency Program Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a mortgage loan originated or acquired by Seller in accordance with the applicable guidelines of, and in anticipation of sale to, the state housing authorities in Acceptable States and as approved by Administrative Agent in writing in its sole discretion.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 26 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Statement Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Stock Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Co-op Loan, the certificates evidencing ownership of the Co-op Shares issued by the Co-op Corporation.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Stock Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Co-op Loan, an assignment of the Stock Certificate or an assignment of the Co-op Shares issued by the Co-op Corporation.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Subservicer Field</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the field entitled, &#8220;Subservicer&#8221; in the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Subsidiary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Person, any corporation, limited liability company, partnership or other entity of which at least a majority of the securities or other ownership interests having by the terms thereof ordinary voting power to elect a majority of the board of directors or other persons performing similar functions of such corporation, partnership or other entity (irrespective of whether or not at the time securities or other ownership interests of any other class or classes of such corporation, partnership or other entity shall have or might have voting power by reason of the happening of any contingency) is at the time directly or indirectly owned or controlled by such Person or one or more Subsidiaries of such Person or by such Person and one or more Subsidiaries of such Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Successor Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a rate determined by Administrative Agent in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Successor Rate Conforming Changes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any proposed Successor Rate, any technical, administrative or operational change (including any change to the timing and frequency of determining rates and making payments of interest, timing of borrowing requests or prepayment, conversion or continuation notices, length of lookback periods, the applicability of breakage provisions, and other technical, administrative or operational matters) that the Administrative Agent decides, in its sole good faith discretion, may be appropriate to reflect the adoption and implementation of such Successor Rate and to permit the administration thereof by the Administrative Agent in a manner substantially consistent with market practice (or, if the Administrative Agent decides that adoption of any portion of such market practice is not administratively feasible or if the Administrative Agent determines that no market practice for the administration of such Successor Rate exists, in such other manner of administration as the Administrative Agent decides, in its sole good faith discretion, is reasonably necessary in connection with the administration of this Agreement or any other Program Agreement). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Take-out Commitment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a commitment of Seller to either (a) sell one or more identified Mortgage Loans to a Take-out Investor or (b) (i) swap one or more identified Mortgage Loans with a Take-out Investor that is an Agency for an Agency Security, and (ii) sell the related Agency Security to a Take-out Investor, and in each case, the corresponding Take-out Investor&#8217;s commitment back to Seller to effectuate any of the foregoing, as applicable. With respect to any Take-out Commitment with an Agency, the applicable agency documents list Administrative Agent or such other Person as required under the Intercreditor Agreement or Joint Securities Account Control Agreement as sole subscriber. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 27 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Take-out Investor</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a) an Agency or (b) any other institution which has made a Take-out Commitment and has been approved by Administrative Agent for the benefit of Buyers. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Tax Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means distributions by the Seller for the purpose of enabling LD</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Holdings to make Tax Distributions, as defined and set forth in the limited liability company agreement of LD Holdings. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any and all present or future taxes (including social security contributions and value added taxes), levies, imposts, duties (including stamp duties), deductions, charges (including ad valorem charges), withholdings (including backup withholding), assessments, fees or other charges of any nature whatsoever imposed by any Governmental Authority, including any interest, additions to tax or penalties applicable thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Termination Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Third Party Evaluator</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an appraiser approved by Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">TILA-RESPA Integrated Disclosure Rule</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Truth-in-Lending Act and Real Estate Settlement Procedures Act Integrated Disclosure Rule, adopted by the Consumer Finance Protection Bureau, which is effective for residential mortgage loan applications received on or after October 3, 2015.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transaction Request</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a request via email from Seller to Administrative Agent notifying Administrative Agent that Seller wishes to enter into a Transaction hereunder and that indicates that it is a Transaction Request under this Agreement. For the avoidance of doubt, a Transaction Request may refer to multiple Mortgage Loans&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> that each Mortgage Loan shall be deemed to be subject to its own Transaction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Controller of such eNote. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Control and Location</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Controller and Location of such eNote. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Location</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Location of such eNote. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Servicing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Master Servicer Field or Subservicer Field of such eNote.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 28 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transferable Record</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an Electronic Record under E-SIGN and UETA that (i) would be a note under the Uniform Commercial Code if the Electronic Record were in writing, (ii) the issuer of the Electronic Record has expressly agreed is a &#8220;transferable record&#8221;, and (iii) for purposes of E-SIGN, relates to a loan secured by real property. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Trust Receipt</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Transaction as of any date, a receipt in the form attached as an exhibit to the Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">UETA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform State Laws at its Annual Conference on July 29, 1999. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Unauthorized Master Servicer or Subservicer Modification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a Transfer of Location, Transfer of Servicing or a change in any other information, status or data, including, without limitation, a change of the Master Servicer Field or Subservicer Field with respect to such eNote on the MERS eRegistry, initiated by the Seller, any Servicer or a vendor.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the standards, procedures and guidelines of the Seller for underwriting and acquiring Mortgage Loans, which are set forth in the written policies and procedures of the Seller, a copy of which have been provided to Administrative Agent and such other guidelines as are identified to Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Uniform Commercial Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">UCC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Uniform Commercial Code as in effect on the date hereof in the State of New&#160;York or the Uniform Commercial Code as in effect in the applicable jurisdiction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">USDA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the United States Department of Agriculture or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">USDA Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a first lien Mortgage Loan guaranteed by and originated in accordance with the criteria established by the USDA pursuant to the </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">USDA Rural Development Guaranteed Housing Loan Program</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">U.S. Tax Compliance Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)(ii)(B) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the U.S. Department of Veterans Affairs, an agency of the United States of America, or any successor thereto including the Secretary of Veterans Affairs.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Approved Lender</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a lender which is approved by the VA to act as a lender in connection with the origination of VA Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan which is the subject of a VA Loan Guaranty Agreement as evidenced by a loan guaranty certificate, or a Mortgage Loan which is a vender loan sold by the VA.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 29 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Loan Guaranty Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the obligation of the United States to pay a specific percentage of a Mortgage Loan (subject to a maximum amount) upon default of the Mortgagor pursuant to the Servicemen&#8217;s Readjustment Act, as amended.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Regulations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the regulations promulgated by the U.S. Department of Veterans Affairs and codified in 38 Code of Federal Regulations, and other U.S. Department of Veterans Affairs issuances relating to VA Loans, including the related handbooks, circulars, notices and mortgagee letters.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Value Reduction Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Warehouse Electronic System</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the system utilized by or Administrative Agent either directly, or through its vendors, and which may be accessed by Seller in connection with delivering and obtaining information and requests in connection with the Program Agreements. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Wet-Ink Delivery Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Wet-Ink Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Wet-Ink Mortgage Loan, the (a) Transaction Request and (b) the Asset Schedule.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Wet-Ink Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan (other than an Early Buyout Loan) which Seller is selling to Administrative Agent for the benefit of a Buyer simultaneously with the origination thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">WHCO Repo Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Master Repurchase Agreement, by and among Administrative Agent, AGF WHCO 1-A3 LP and Seller, as the same may be amended, restated, supplemented or otherwise modified and in effect from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">WHCO Repo Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the WHCO Repo Agreement and the &#8220;Program Agreements&#8221; as defined in the WHCO Repo Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">WHCO Utilized Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i2faaf30f42654549bfbdec15816ed7f4"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Program&#59; Initiation of Transactions</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">From time to time, in the sole discretion of Buyers, Administrative Agent (for the benefit of Buyers) may facilitate the purchase by Buyers from Seller of certain Mortgage Loans that have been originated and&#47;or purchased by Seller.  This Agreement is a commitment by Committed Buyer and Administrative Agent on behalf of Committed Buyer to enter into Transactions with Seller up to an aggregate amount not to exceed the lesser of the Maximum Committed Purchase Price and the Maximum Available Committed Purchase Price. This Agreement is not a commitment by Committed Buyer or Administrative Agent on behalf of Committed Buyer to enter into Transactions with Seller for amounts exceeding the Maximum </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 30 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Committed Purchase Price, Maximum Available Committed Purchase Price or Maximum Available Purchase Price, but rather sets forth the procedures to be used in connection with periodic requests for Buyers or Administrative Agent on behalf of Buyers to enter into Transactions with Seller.  For the avoidance of doubt, Transactions attributed to the Maximum Committed Purchase Price shall solely be attributed to the Committed Buyer and Atlas, in its capacity as a buyer, shall have no commitment hereunder to enter into Transactions.  Any Transactions entered into in excess of the Maximum Committed Purchase Price or Maximum Available Committed Purchase Price, as applicable, shall be entered into solely on an uncommitted basis. All Purchased Mortgage Loans shall exceed or meet the Underwriting Guidelines, and shall be serviced by Seller or Servicer, as applicable.  The sum of the aggregate outstanding Purchase Price-Base, Purchase Price-Incremental 1 and Purchase Price-Incremental 2 shall not exceed the Maximum Available Purchase Price.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Seller shall request that Administrative Agent enter into a Transaction by delivering (i) to Administrative Agent, a Transaction Request (A) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and (ii) to Administrative Agent and Custodian an Asset Schedule in accordance with the Custodial Agreement. In the event the Asset Schedule provided by Seller contains erroneous computer data, is not formatted properly or the computer fields are otherwise improperly aligned, Administrative Agent shall provide written or electronic notice to Seller describing such error and Seller shall correct the computer data, reformat or properly align the computer fields itself and resubmit the Asset Schedule as required herein.  </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">With respect to any eMortgage Loan, Seller shall deliver to Custodian each of Administrative Agent&#8217;s and Seller&#8217;s MERS Org IDs, and shall cause (i) the Authoritative Copy of the related eNote to be delivered to the eVault via a secure electronic file, (ii) the Controller status of the related eNote to be transferred to Administrative Agent&#8217;s MERS Org ID and the eNote Secured Party status of the related eNote is blank, (iii) the Location status of the related eNote to be transferred to Custodian, (iv) the Master Servicer Field status of the related eNote shall reflect the MERS Org ID of Seller, (v) the Subservicer Field status of the related eNote to be (x) if there is a third-party subservicer, such subservicer&#8217;s MERS Org ID or (y) if there is not a subservicer, blank and (vi) the Delegatee status of the related eNote to be transferred to Custodian reflects Custodian&#8217;s MERS Org ID, in each case using MERS eDelivery and the MERS eRegistry (collectively, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Delivery Requirements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">With respect to a Simultaneously Funded Early Buyout Loan for which Seller has submitted a Transaction Request, provided that the GNMA Haircut Amount has been remitted to the Administrative Agent, Administrative Agent shall remit the purchase price due to GNMA for such Simultaneously Funded Early Buyout Loan to the general payment clearing account of Servicer. Within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, Seller shall cause Servicer to (i) segregate and remit such </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 31 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">purchase price to the custodial account held for the Seller and (ii) report to GNMA that such Simultaneously Funded Early Buyout Loan has been repurchased from GNMA.  In the event that Servicer fails to repurchase such Simultaneously Funded Early Buyout Loan, Seller shall cause Servicer to remit the Purchase Price for such Simultaneously Funded Early Buyout Loan to the account set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 9</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">following the related Purchase Date.  Notwithstanding the foregoing, when a Simultaneously Funded Early Buyout Loan is repurchased, the Purchase Date hereunder shall be deemed the date of remittance of proceeds by Administrative Agent to Servicer. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Upon the satisfaction of the applicable conditions precedent set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;10</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, all of Seller&#8217;s interest in the Repurchase Assets shall pass to Administrative Agent on behalf of Buyers on the Purchase Date, against the transfer of the Purchase Price to Seller.  Upon transfer of the Purchased Assets to Administrative Agent on behalf of Buyers as set forth in this Section and until termination of any related Transactions as set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Sections&#160;4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement, ownership of each Purchased Asset, including each document in the related Asset File and Records, is vested in the Buyers identified under the Administration Agreement&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, prior to the recordation, record title shall be retained by the Seller, in trust, for the benefit of Buyers, for the sole purpose of facilitating the servicing and the supervision of the servicing of the Mortgage Loans. For the avoidance of doubt, the parties acknowledge and agree that the Purchased Assets shall be held by the Administrative Agent for the benefit of Buyers, as more particularly set forth in the Administration Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt">On each Purchase Date, Administrative Agent shall allocate the Purchase Price for such Purchased Mortgage Loan among the Purchase Price-Base, Purchase Price-Incremental 1 and Purchase Price-Incremental 2 according to the Allocated Percentages attributable thereto. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">With respect to each Wet-Ink Mortgage Loan, by no later than the Wet-Ink Delivery Date, Seller shall cause the related Settlement Agent to deliver to the applicable Custodian the remaining documents in the Asset File as more particularly set forth in the related Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ie5e04ab788b84278a8776fdb062e8eb3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Repurchase</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i8e9b8fbcc9db4e5585b8d1c9cccb7b23"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Seller shall repurchase the related Purchased Assets from Administrative Agent for the benefit of Buyers on each related Repurchase Date.  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 Administrative Agent shall be applied to reduce the Repurchase Price for such Purchased Mortgage Loan on each Payment Date except as otherwise provided herein).  Seller is obligated to repurchase and take physical possession of the Purchased Assets and related Asset Files from </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 32 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent or its designee (including the Custodian) at Seller&#8217;s expense on the related Repurchase Date.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i2c779f236e4d4929b68d8634c7c7b95e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Provided that no Default shall have occurred and is continuing, and Administrative Agent has received the related Repurchase Price (excluding accrued and unpaid Price Differential, which, for the avoidance of doubt, shall be paid on the next succeeding Payment Date) upon repurchase of the Purchased Assets, Administrative Agent and Buyers will each be deemed to have released their respective interests hereunder in the Purchased Assets (and the Repurchase Assets related thereto) at the request of Seller.  The Purchased Assets (and the Repurchase Assets related thereto) shall be delivered to Seller free and clear of any lien, encumbrance or claim of Administrative Agent or the Buyers, and the Administrative Agent shall execute and deliver such terminations and releases as the Seller may reasonably request to evidence the foregoing. With respect to payments in full by the related Mortgagor of a Purchased Mortgage Loan, Seller agrees to promptly remit (or cause to be remitted) to Administrative Agent for the benefit of Buyers the Repurchase Price with respect to such Purchased Mortgage Loan.  Administrative Agent and Buyers agree to release their respective interests in Purchased Mortgage Loans which have been prepaid in full after receipt of evidence of compliance with the immediately preceding sentence. </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ic3517b266de246dbb72578feb42c7009"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Prior to an Early Buyout Loan becoming a real estate owned property, Seller shall (i) notify Administrative Agent in writing that such Early Buyout Loan shall become a real estate owned property and (ii) the Asset Value on account of the related Early Buyout Loan shall be decreased to zero and Seller shall immediately repurchase such Early Buyout Loan prior to the conversion of the Early Buyout Loan to a real estate owned property. </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ie3304ef9a68e49bf8b931a9e19c1c6f8"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">With respect to any Purchased Mortgage Loan, Administrative Agent shall allocate any Repurchase Price in respect thereof </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(x) prior to an Event of Default, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> among</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> the Purchase Price-Base, Purchase Price-Incremental 1 and Purchase Price-Incremental 2 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">based upon the Allocated Percentage of each</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and (y) on and after an Event of Default, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">first</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Buyers of the Purchase Price-Base until all Obligations in respect of the Purchase Price-Base are reduced to zero, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">second</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Purchase Price-Incremental 1 until all Obligations in respect of the Purchase Price-Incremental 1 are reduced to zero and </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">third</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Purchase Price-Incremental 2 until all Obligations in respect of the Purchase Price-Incremental 2 are reduced to zero.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i4c1d4406cf2d4a52a08b79afd79f7b71"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Price Differential.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">On each Business Day that a Transaction is outstanding, the Pricing Rate shall be reset and, unless otherwise agreed, the accrued and unpaid Price Differential for the preceding Pricing Period shall be settled in cash on each related Payment Date.  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, Administrative Agent shall give Seller written or electronic notice of the amount of the Price Differential due on such Payment </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 33 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Date.  On the Payment Date, Seller shall pay to Administrative Agent the Price Differential for the benefit of Buyers for such Payment Date (along with any other amounts then due and owing pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Sections 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">36</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof and Section 3 of the Pricing Side Letter), by wire transfer in immediately available funds. Prior to the occurrence and continuance of an Event of Default, the Administrative Agent shall apply all payments of Price Differential in respect of any Purchased Mortgage Loan </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> among the Price Differential-Base, the Price Differential-Incremental 1 and the Price Differential-Incremental 2 based upon the Allocated Percentage of each.  O</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">n and after an Event of Default, any application of Price Differential will </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">first</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> be attributed to the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Price Differential-Base</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> then due and owing until reduced to zero, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">second</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Price Differential-Incremental 1 then due and owing until reduced to zero and </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">third</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Price Differential-Incremental 2 then due and owing until reduced to zero</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">If Seller fails to pay all or part of the Price Differential by 3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, with respect to any Purchased Asset, Seller shall be obligated to pay to Administrative Agent for the benefit of Buyers (in addition to, and together with, the amount of such Price Differential) interest on the unpaid Repurchase Price at a rate per annum equal to the Post-Default Rate until the Price Differential is received in full by Administrative Agent for the benefit of Buyers.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">If prior to any Payment Date, Administrative Agent determines in its sole good faith discretion that, by reason of circumstances affecting the relevant market, (i) adequate and reasonable means do not exist for ascertaining the Reference Rate&#59; (ii) the Reference Rate is no longer in existence&#59; (iii) continued implementation of the Reference Rate is no longer operationally, administratively or technically feasible or no significant market practice for the administration of the Reference Rate exists, (iv) the Reference Rate will not adequately and fairly reflect the cost to Administrative Agent and Buyers of purchasing or maintaining Transactions or (v) the administrator of the Reference Rate or a Governmental Authority having jurisdiction over Administrative Agent has made a public statement identifying a specific date after which the Reference Rate shall no longer be made available or used for determining the interest rate of loans, Administrative Agent may give prompt written notice (which may be delivered via email) thereof to Seller, whereupon the rate for such period that will replace the Reference Rate for such period, and for all subsequent periods until such notice has been withdrawn by Administrative Agent, shall be the greater of (x) an alternative benchmark rate (including any mathematical or other adjustments to the benchmark rate (if any) incorporated therein) and (y) zero, together with any proposed Successor Rate Conforming Changes, as determined by Administrative Agent in its sole good faith discretion (any such rate, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Successor Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 34 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">To the extent Administrative Agent implements a Successor Rate and Successor Rate Conforming Changes it will promptly notify Seller of the effectiveness of any such changes.  Any determination of a Successor Rate and the adoption of Successor Rate Conforming Changes shall be made by Buyer in a manner substantially consistent with market practice with respect to similarly situated counterparties with substantially similar assets in similar facilities and any such Successor Rate Conforming Changes will become effective without any further action or consent of Seller to this Agreement or the other Program Agreements. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i4ea356d764164792856944c378ecacf3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Margin Maintenance&#59; Reallocation of Purchase Price</font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">If at any time the outstanding Purchase Price of any Purchased Mortgage Loan subject to a Transaction is greater than the Asset Value of such Purchased Mortgage Loan subject to a Transaction (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deficit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), then Administrative Agent may by notice to Seller require Seller to transfer to Administrative Agent for the benefit of Buyers cash in an amount at least equal to the Margin Deficit (such requirement, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;). </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Notice delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above may be given by any written or electronic means.  Any notice given before </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall be met, and the related Margin Call satisfied, no later </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; notice given after </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">be met, and the related Margin Call satisfied, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(the foregoing time requirements for satisfaction of a Margin Call are referred to as the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deadlines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).  The failure of Administrative Agent, 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 Administrative Agent to do so at a later date.  Seller and Administrative Agent each agree that a failure or delay by Administrative Agent to exercise its rights hereunder shall not limit or waive Administrative Agent&#8217;s or Buyers&#8217; rights under this Agreement or otherwise existing by law or in any way create additional rights for Seller. </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">In the event that a Margin Deficit exists with respect to any Purchased Asset, Administrative Agent may retain any funds received by it to which the Seller would otherwise be entitled hereunder, which funds (i) shall be held by Administrative Agent against the related Margin Deficit and (ii) may be applied by Administrative Agent against the Repurchase Price of any Purchased Asset for which the related Margin Deficit remains otherwise unsatisfied.  Notwithstanding the foregoing, the Administrative Agent retains the right, in its sole discretion, to make a Margin Call in accordance with the provisions of this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 35 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ic79e6e404fc6459382bd0fab5a995693"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Income Payments </font></div><div style="padding-left:72pt;text-align:justify"><font id="ia4ccb7a41b304e8ba30e2ded4a65e15d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">If Income is paid in respect of any Purchased Mortgage Loan during the term of a Transaction, such Income shall be held in trust for the Administrative Agent and Buyers and shall constitute the property of the applicable Buyers except for tax purposes as to which it shall be treated as income and property of Seller.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i08b8f194386446ab98a9b62544618d2d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Seller shall and to the extent it engages a third-party Servicer shall cause such Servicer to deposit all Income with respect to Purchased Mortgage Loans into the related Servicer Account, as applicable, in accordance with the applicable Servicing Agreement and Servicer Notice. </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ibddd1325f726426d8ab6f1326406e9db"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Provided no Event of Default has occurred and is continuing, and the Price Differential has been paid to Administrative Agent for the benefit of Buyers in accordance with Section 5 hereof, Seller shall be entitled to the remittance of all Income related to Purchased Mortgage Loans to the full extent it would have been so entitled if the Purchased Mortgage Loans had not been sold to Administrative Agent for the benefit of Buyers </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i5d7c4f88bcdf4606b8dee0410864b70f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent shall immediately apply any such amount received by Buyers or the Administrative Agent to reduce the amount of the Repurchase Price due upon termination of the related Transaction.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ib3f08fc5130243d285bc8496cf818c46"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Provided that no Event of Default has occurred and is continuing, on each Repurchase Date, Administrative Agent shall remit any Income received with respect to the Purchased Mortgage Loans as follows&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="ie92be8c278f04c26bbb1b01c19cbc21a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">first, to Administrative Agent, for the benefit of the applicable Buyers, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, in reduction of the Repurchase Price of any liquidation, pay-off or repurchase of any Purchased Mortgage Loan up to the amount advanced by Administrative Agent on behalf of Buyers as set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i780b12db2f3a40739b6b678e0a739927"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">second, without limiting the rights of Administrative Agent under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, to Administrative Agent for the benefit of Buyers, in the amount of any unpaid Margin Deficit&#59; </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i4bc7868d715e457cbbf6d1b3986a996c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">third, to the payment of all other Obligations then due and owing to Administrative Agent and Buyers in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i4f8f391da6c04377801f19ddadd1987c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fourth, to, or at the direction of Seller, any remaining amounts.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 36 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i326b78abb87d463d9fc09b020da365de"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.01pt">Provided that </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">no Event of Default has occurred and is continuing, on each Payment Date, Administrative Agent shall remit any Income received with respect to the Purchased Mortgage Loans as follows</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i018aa4c2547a4187bdcdcbec3b435b48"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt"> first, to Administrative Agent, for the benefit of Buyers, in the order of priority as determined in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.a</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, in payment of any accrued and unpaid Price Differential to the extent not paid by Seller to Administrative Agent pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i0590cabf2f9f411eb3de3576786969eb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">second, to Administrative Agent, for the benefit of the applicable Buyers, in the order of priority as determined in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, in reduction of the Repurchase Price of any liquidation, pay-off or repurchase of any Purchased Mortgage Loan up to the amount advanced by Administrative Agent on behalf of Buyers&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="iad3f7fc20a914f10870a969a73dedb49"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">third, without limiting the rights of Administrative Agent under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, to Administrative Agent for the benefit of Buyers, in the amount of any unpaid Margin Deficit&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i01008711a8ee4ca0a44e7289c42ee2ba"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fourth, to the payment of all other Obligations then due and owing to Administrative Agent and Buyers in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i5f6c0564e3dc467fb913064d5a3090a0"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fifth, to, or at the direction of Seller, any remaining amounts.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i479c6676d5844ebebd4ddde54a684610"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">On </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">the Termination Date or upon the occurrence and during the continuation of an Event of Default, all Income received with respect to the Purchased Mortgage Loans shall be allocated as directed by Administrative Agent as follows</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="ia7e7f44eb1814f7eb04c1a7b4c770390"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">first, pro rata, to each Servicer and Custodian in payment of any fees and expenses due and owing to the extent not otherwise paid pursuant to the terms of the applicable Servicing Agreement and Custodial Agreement&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="ib8ea2e34861a4bc385bea10036400097"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">second, to Administrative Agent in payment of any accrued and unpaid Price Differential, to the extent not paid by the Seller to Administrative Agent pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i05075ba22c8a49dfa45aa450b6dce4e9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">third, to Administrative Agent, for the benefit of the applicable Buyers, in reduction of the Repurchase Price of all Purchased Assets and in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="if5f4ba856f5643c8b301178888844979"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fourth, to the payment of all other Obligations until paid in full and in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 37 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="id395cb2c9613413fb21fd01e820c8d8d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fifth, to, or at the direction of Seller, any remaining amounts.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i1ff69ebd417b4b68a9bbef4d0008e9c8"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">To the extent that Administrative Agent receives any funds from a Take-out Investor with respect to the purchase by such Take-out Investor of a Purchased Asset, the Administrative Agent shall promptly apply such funds to the Repurchase Price of the Purchased Asset purchased by such Take-out Investor and shall promptly remit any excess to the applicable Seller.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ib98346c3a4d54810b6ca4f50e5d24485"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.67pt">Reserved.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i693bb5cbcb8f40779a6d39ce31ac3d6f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.67pt">With respect to each Early Buyout Loan, the Seller shall be listed as the mortgagee of record and shall deposit all claims submitted on account such Early Buyout Loans into the payee account (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Clearing Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and shall transfer (or cause to be transferred) all such amounts </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall remit </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. To the extent HUD deducts any amounts owing by the Seller to HUD, which are not attributable to the Early Buyout Loans, the Seller shall remit, within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> following receipt of notice or knowledge of such deduction, such deducted amounts into the Collection Account (provided that, to the extent the Collection Account is not opened, to the Program Account). </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i0335b9cc4ddd4d7088dddefa5856270f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Provided no Event of Default has occurred and is continuing, on each Payment Date, Seller shall remit to Administrative Agent for the benefit of Buyers an amount equal to the Price Differential in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement.</font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="id9068fdd1fc64bf28dec8f6de8a0d295"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Security Interest</font></div><div style="padding-left:72pt;text-align:justify"><font id="i0aa5e6bed77b4604962f498225d8f6e6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt;text-decoration:underline">Conveyance&#59; Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font id="icb292a7c320f4ffc8870a6615de4bbb3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">On each Purchase Date, Seller hereby sells, assigns and conveys all rights and interests in the Purchased Assets identified on the related Asset Schedule, including related Servicing Rights and Asset Documents, and the Repurchase Assets to Administrative Agent for the benefit of Buyers.  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, Seller hereby pledges to Administrative Agent as security for the performance by Seller of the Obligations and hereby grants, assigns and pledges to Administrative Agent a fully perfected first priority security interest (in each case, to the extent a security interest may be perfected by possession, control or filing of a UCC financing statement) in the Purchased Assets, including related Servicing Rights and Asset Documents related to such Purchased Assets, the Servicer Advances related to such Purchased Assets, all debenture interests payable by HUD on account of any Early Buyout Loan which constitutes a Purchased Asset, any Agency Security or right to receive such Agency Security when issued to the extent backed by any of the Purchased Assets, the Records related to the Purchased Assets, the Program Agreements (to the extent such Program Agreements and Seller&#8217;s rights thereunder relate to the Purchased Assets), any related Take-out Commitments related to such Purchased Assets, any Property relating to the Purchased </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 38 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Assets, all insurance policies and insurance proceeds relating to any Purchased Asset or the related Mortgaged Property, including, but not limited to, any payments or proceeds under any related primary insurance, hazard insurance and FHA Mortgage Insurance Contracts and VA Loan Guaranty Agreements (if any), Income related to such Purchased Assets, the Collection Account, Interest Rate Protection Agreements related to such Purchased Assets, deposit accounts or securities accounts related to the Purchased Assets (including any interest of Seller in escrow accounts) and any other contract rights, instruments, deposit accounts or securities accounts, payments, rights to payment (including payments of interest or finance charges), general intangibles and other assets, in each case, relating to the Purchased Assets and any proceeds (including the related securitization proceeds) and distributions with respect to any of the foregoing, whether now owned or hereafter acquired, now existing or hereafter created in each case excluding any Take-out Commitments and Interest Rate Protection Agreements to the extent Seller may not, pursuant to the provisions thereof, assign or transfer, or pledge or grant a security interest in, such Take-out Commitments or Interest Rate Protection Agreements without the consent of, or without violating its obligations to, the related Take-out Investor or counterparty to such Interest Rate Protection Agreement, but only to the extent such provisions are not rendered ineffective against the Administrative Agent under Article 9, Part 4 of the Uniform Commercial Code (collectively, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and together with the Additional Collateral, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="padding-left:139.5pt;text-align:justify"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font id="i32945491dd034c85a359e7524bf1e3c7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent and Seller hereby agree that in order to further secure Seller&#8217;s Obligations hereunder, Seller hereby grants to Administrative Agent, for the benefit of Buyers, a security interest in (i) any &#8220;Repurchase Assets&#8221; as such term is defined in the WHCO Repo Agreement that are otherwise deliverable to Seller thereunder and to the extent all obligations then due and owing under the WHCO Repo Agreement have been paid in full&#59; (ii) Seller&#8217;s rights under the WHCO Repo Agreement, including, without limitation, any rights to receive payments thereunder or any rights to collateral thereunder whether now owned or hereafter acquired, now existing or hereafter created, and (iii) all collateral however defined or described under the WHCO Repo Agreement to the extent not otherwise included under the definition of Repurchase Assets therein, in all instances, whether now owned or hereafter acquired, now existing or hereafter created (collectively, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Collateral</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="text-align:justify"><font><br></font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Servicing Rights</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller acknowledges that it has no rights to service the Purchased Mortgage Loans except to the extent set forth in this Agreement, the Servicer Notice or the Servicing Agreement.  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 Administrative Agent a security interest in the Servicing Rights related to the Purchased Assets and proceeds related thereto and in all instances, whether now owned or hereafter acquired, now existing or hereafter created.  The foregoing provision is intended to constitute a security agreement or other arrangement or other credit enhancement related to this Agreement and Transactions hereunder as defined under Sections 101(47)(A)(v) and 741(7)(A)(xi) of the Bankruptcy Code.</font></div><div style="padding-left:36pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 39 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Financing Statements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller agrees to execute, deliver and&#47;or file such documents and perform such acts as may be reasonably necessary to fully perfect (in each case, to the extent a security interest may be perfected by possession, control or filing of a UCC financing statement) Administrative Agent&#8217;s security interest created hereby.  Furthermore, Seller hereby authorizes the Administrative Agent to file financing statements relating to the Seller Repurchase Assets, as the Administrative Agent, at its option, may deem appropriate.  The Seller shall pay the filing costs for any financing statement or statements prepared pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Power of Attorney</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  In addition to the foregoing, Seller agrees to execute a Power of Attorney, in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, to be delivered on the date hereof which may be used only in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 28</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="padding-left:36pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Intent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The foregoing provisions in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> are intended to constitute a security agreement or other arrangement or other credit enhancement related to this Agreement and Transactions hereunder as defined under Sections 1001(47)(A)(v) and 741(7)(A)(xi) of the Bankruptcy Code.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i8ea8e4bfc5ff4f2582678c92b08cd592"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Payment and Transfer</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Unless otherwise mutually agreed in writing or as otherwise set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, 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 Administrative Agent in the Program Account.  Seller acknowledges that it has no rights of withdrawal from the Program Account.  All Purchased Assets transferred by one party hereto to the other party shall be in the case of a purchase by a Buyer in suitable form for transfer or shall be accompanied by duly executed instruments of transfer or assignment in blank and such other documentation as Administrative Agent may reasonably request.  All Purchased Assets shall be evidenced by a Trust Receipt.  Any Repurchase Price received by Administrative Agent after </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i961d21b346544d53ae3430fda45ee2a5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">10.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Conditions Precedent</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Initial Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. As conditions precedent to the initial Transaction, Administrative Agent shall have received on or before the day of such initial Transaction the following, in form and substance satisfactory to Administrative Agent and duly executed by Seller and each other party thereto&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Program Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Program Agreements (with the exception of the Collection Account Control Agreement pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 10.b(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> below) duly executed and delivered by the parties thereto and being in full force and effect, free of any modification, breach or waiver.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Evidence that all other actions necessary or, in the opinion of Administrative Agent, desirable to perfect and protect </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 40 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent&#8217;s and Buyers&#8217; interest in the Purchased Assets and other Repurchase Assets have been taken, including, without limitation, duly authorized and filed Uniform Commercial Code financing statements on Form UCC-1.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Organizational Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A certificate of the corporate secretary or other authorized person of Seller substantially in form and substance acceptable to Administrative Agent in its sole good faith discretion, attaching certified copies of Seller&#8217;s organizational documents and resolutions approving the Program Agreements and transactions thereunder (either specifically or by general resolution) and all documents evidencing other necessary corporate action or governmental approvals as may be required in connection with the Program Agreements.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Good Standing Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A certified copy of a good standing certificate from the jurisdiction of organization of Seller, dated as of no earlier than the date </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">prior to the Purchase Date with respect to the initial Transaction hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Incumbency Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An incumbency certificate of the corporate secretary or other authorized person of Seller, certifying the names, true signatures and titles of the representatives duly authorized to request transactions hereunder and to execute the Program Agreements.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Opinion of Counsel</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An opinion of Seller&#8217;s counsel, as to such matters as Administrative Agent may request and in form and substance acceptable to Administrative Agent in its sole discretion, including, without limitation, with respect to the non-contravention, enforceability and corporate opinions with respect to Seller, including an opinion in form and substance reasonably acceptable to Administrative Agent on behalf of Buyers, indicating that as of the date hereof, Seller is not required to register as an &#8220;investment company,&#8221; as such term is defined in the Investment Company Act.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Other than underwriting guidelines of the Agencies, a true and correct copy of the Underwriting Guidelines certified by an officer of the Seller.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Fees</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Payment of any fees due to Administrative Agent and Buyers hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Evidence that Seller has added Administrative Agent as an additional loss payee under the Seller&#8217;s Fidelity Insurance.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">All Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The obligation of Administrative Agent for the benefit of Buyers to enter into each Transaction pursuant to this Agreement is subject to the following conditions precedent&#58;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 41 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Due Diligence Review</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Without limiting the generality of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 36</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, Administrative Agent and Buyers shall have completed, to their satisfaction, their due diligence review of the related Purchased Assets, Seller and the Servicer.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Required Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:39.6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:1.1pt">With respect to each Purchased Mortgage Loan which is not a Wet-Ink Mortgage Loan, the Asset File has been delivered to the applicable Custodian in accordance with the applicable Custodial Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:39.6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.42pt">With respect to each Wet-Ink Mortgage Loan, the Wet-Ink Documents have been delivered to Administrative Agent or the applicable Custodian, as the case may be, in accordance with the applicable Custodial Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Transaction Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Administrative Agent or its designee shall have received on or before the day of such Transaction (unless otherwise specified in this Agreement) the following, in form and substance satisfactory to Administrative Agent and (if applicable) duly executed&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.7pt">A Transaction Request and Asset Schedule delivered by Seller pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;3(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof and solely with respect to Transactions attributable to the Maximum Committed Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">If not a Wet-Ink Mortgage Loan, the Request for Certification and the related Asset Schedule delivered by Seller, and (i) with respect to Mortgage Loans other than Simultaneously Funded Early Buyout Loans, the Trust Receipt and the Custodial Mortgage Loan Schedule or (ii) with respect to Mortgage Loans that are Simultaneously Funded Early Buyout Loans, a preliminary Custodial Mortgage Loan Schedule, in each case, delivered by the Custodian.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.7pt">Such certificates, opinions of counsel or other documents as Administrative Agent may reasonably request.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">No Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  No Default or Event of Default shall have occurred and be continuing&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Requirements of Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Administrative Agent nor Buyers shall have determined that the introduction of or a change in any Requirement of Law or in the interpretation or administration of any Requirement of Law applicable to Administrative Agent or any Buyer has made it unlawful, and no Governmental Authority shall have asserted that it is unlawful, for Administrative Agent or any Buyer to enter into Transactions with a Pricing Rate based on the Reference Rate. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 42 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Representations and Warranties</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Both immediately prior to the related Transaction and also after giving effect thereto and to the intended use thereof, the representations and warranties made by Seller in each Program Agreement 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).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Electronic Tracking Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. To the extent Seller is selling Mortgage Loans which are registered on the MERS System, an Electronic Tracking Agreement entered into, duly executed and delivered by the parties thereto and being in full force and effect, free of any modification, breach or waiver.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  None of the following shall have occurred and&#47;or be continuing&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i5308a730028c484c950e99f649075915"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">an event or events shall have occurred in the good faith determination of a Buyer resulting in the effective absence of a &#8220;repo market&#8221; or comparable &#8220;lending market&#8221; for financing debt obligations secured by mortgage loans or securities or an event or events shall have occurred resulting in such Buyer not being able to finance Purchased Mortgage Loans through the &#8220;repo market&#8221; or &#8220;lending market&#8221; with traditional counterparties at rates which would have been reasonable prior to the occurrence of such event or events&#59; or</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i2e88940e570c400690db9d395b32ea01"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">an event or events shall have occurred resulting in the effective absence of a &#8220;securities market&#8221; for securities backed by mortgage loans or an event or events shall have occurred resulting in such Buyer not being able to sell securities backed by mortgage loans at prices which would have been reasonable prior to such event or events&#59; or</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i26c89679d08740e98d5376490557f3a6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">there shall have occurred (i) 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&#59; (ii) a general suspension of trading on major stock exchanges&#59; or (iii) a disruption in or moratorium on commercial banking activities or securities settlement services&#59; or</font></div><div style="text-align:justify;text-indent:36pt"><font id="i5e82338c073e4a19813512e9692aa868"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">there shall have occurred a material adverse change in the financial condition of a Buyer which affects (or can reasonably be expected to affect) materially and adversely the ability of such Buyer to fund its obligations under this Agreement.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i59cf234228c542279617c4f220362999"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:35.52pt;text-decoration:underline">Business Purpose Mortgage Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Solely with respect to Business Purpose Mortgage Loans&#58; </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:67.5pt"><font id="ie59bd9e962ba48c3acacd950f32244eb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.2pt">that are BPL &#8211; Holdbacks, Administrative Agent shall have reviewed and approved the escrow arrangements and documentation therefor&#59; and</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 43 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:71.1pt"><font id="ieb820cd31fc34b2a92b1d187125c393e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:26.52pt">Administrative Agent shall have received a letter agreement, in form and substance acceptable to Administrative Agent, executed by Administrative Agent, Seller and the applicable Qualified Originator if other than Seller.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="ie0f698fca374430a932c62b8683b7e4a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(10)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">DE Compare Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller&#8217;s DE Compare Ratio is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i8ece58f71ceb490397ee03cc4f400933"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(11)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">No HUD Suspension</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  HUD has not suspended Seller&#8217;s ability to originate FHA Loans in any jurisdiction.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i2d3e5a93210a43e188cd5ab298835564"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(12)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">Early Buyout Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Prior to giving effect to any Transaction with respect to Early Buyout Loans, Seller shall deliver to Administrative Agent a Servicer Notice addressed to the Servicer of the related Early Buyout Loans and agreed to by the Seller and such Servicer, in form and substance acceptable to Administrative Agent, duly executed by the parties thereto.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i58e0b1cd4f6a418a9ba1dbce854fe0e9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(13)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">Designated Mortgage Loans &#8211; Purchase Price Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">With respect to each proposed Transaction the subject of which is a Designated Mortgage Loan which is eligible for Purchase Price-Incremental 2, no Disqualification Event shall have occurred and be continuing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i30207d853c5144f1bfde14f071161068"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">Collection Account Control Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">following the Effective Date, Administrative Agent shall have received the Collection Account Control Agreement, duly executed and delivered by the Seller, Administrative Agent and Bank, in form and substance acceptable to Administrative Agent.</font></div><div style="text-align:justify;text-indent:72pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i3b48ea1c58974fc3af011d76a22cbfb9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">11.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Program&#59; Costs </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Seller shall reimburse Administrative Agent and Buyers for any of Administrative Agent&#8217;s and Buyers&#8217; reasonable out-of-pocket costs, including due diligence review costs and reasonable attorney&#8217;s fees, incurred by Administrative Agent and Buyers in determining the acceptability to Administrative Agent and Buyers of any Mortgage Loans.  Seller shall also pay, or reimburse Administrative Agent and Buyers if Administrative Agent or Buyers shall pay, any termination fee, which may be due any Servicer that is replaced or terminated in accordance with this Agreement.  Seller shall pay the reasonable fees and expenses of Administrative Agent&#8217;s and Buyers&#8217; counsel in connection with the Program Agreements. Reasonable legal fees for any subsequent amendments to this Agreement or related documents shall be borne by Seller.  Seller shall pay ongoing custodial fees and expenses as set forth in the related Custodial Agreement, and any other ongoing fees and expenses set forth in any other Program Agreement. Without limiting the foregoing, Seller shall pay all fees as and when required under the Pricing Side Letter.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 44 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">If any Buyer determines that, due to the introduction of, any change in, or the compliance by such Buyer with, after the date of this Agreement (i)&#160;any Eurocurrency reserve requirement or (ii)&#160;the interpretation of any law, regulation or any guideline or request from any central bank or other Governmental Authority (whether or not having the force of law), there shall be an increase in the cost to such Buyer in engaging in the present or any future Transactions, then Seller agrees to pay to such Buyer, from time to time, upon demand by such Buyer (with a copy to Custodian) the actual cost of additional amounts as specified by such Buyer to compensate such Buyer for such increased costs.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">With respect to any Transaction, Administrative Agent and Buyers may conclusively rely upon, and shall incur no liability to Seller in acting upon, any request or other communication that Administrative Agent and Buyers reasonably believe to have been given or made by a person authorized to enter into a Transaction on Seller&#8217;s behalf, whether or not such person is listed on the certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;10(a)(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.  </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Notwithstanding the assignment of the Program Agreements with respect to each Purchased Asset to Administrative Agent for the benefit of Buyers, Seller agrees and covenants with Administrative Agent and Buyers to enforce diligently Seller&#8217;s rights and remedies set forth in the Program Agreements.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">(i) Any payments made by Seller to Administrative Agent or a Buyer or a Buyer assignee or participant hereunder or under any Program Agreement shall be made free and clear of and without deduction or withholding for any Taxes, except as required by applicable law. If Seller shall be required by applicable law (as determined in the good faith discretion of the applicable withholding agent) to deduct or withhold any Tax from any sums payable to Administrative Agent or a Buyer or Buyer assignee or participant, then (i) the Seller shall make such deductions or withholdings and pay the full amount deducted to the relevant Governmental Authority in accordance with applicable law&#59; (ii) to the extent the withheld or deducted Tax is an Indemnified Tax or Other Tax, the sum payable shall be increased as necessary so that after making all required deductions and withholdings (including deductions and withholdings applicable to additional sums payable under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) Administrative Agent receives an amount equal to the sum it would have received had no such deductions or withholdings been made&#59; and (iii) the Seller shall notify the Administrative Agent of the amount paid and shall provide the original or a certified copy (which may be provided electronically) of a receipt issued by the relevant Governmental Authority evidencing such payment within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall otherwise indemnify Administrative Agent and such Buyer, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> after demand therefor, for any Indemnified Taxes or Other Taxes imposed on Administrative Agent or such Buyer (including Indemnified Taxes and Other Taxes imposed or asserted on </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 45 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or attributable to amounts payable under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) and any reasonable expenses arising therefrom or with respect thereto, whether or not such Indemnified Taxes or Other Taxes were correctly or legally asserted by the relevant Governmental Authority.  Upon the reasonable request of Seller, Administrative Agent or such Buyer will provide Seller with documentation evidencing payments of Indemnified Taxes, Other Taxes and any such expenses, which shall be conclusive absent manifest error.</font></div><div style="margin-top:12pt;padding-left:36pt;text-align:justify"><font id="ie2cc74152eab4d2da8ff6c8d73213299"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;(ii) Administrative Agent shall and shall cause each Buyer and Buyer assignee and participant to deliver to the Seller, at the time or times reasonably requested by the Seller, such properly completed and executed documentation reasonably requested by the Seller as will permit payments made hereunder to be made without withholding or at a reduced rate of withholding. In addition, Administrative Agent shall and shall cause each Buyer and Buyer assignee and participant, if reasonably requested by Seller, to deliver such other documentation prescribed by applicable law or reasonably requested by the Seller as will enable the Seller to determine whether or not Administrative Agent or such Buyer or Buyer assignee or participant is subject to backup withholding or information reporting requirements. Notwithstanding anything to the contrary in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the completion, execution and submission of such documentation (other than such documentation in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)((ii)(A)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(B)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(C)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> below) shall not be required if in a Buyer&#8217;s or any Buyer&#8217;s assignee&#8217;s or participant&#8217;s judgment such completion, execution or submission would subject such Buyer or Buyer assignee or participant to any material unreimbursed cost or expense or would materially prejudice the legal or commercial position of such Buyer or Buyer assignee or participant. Without limiting the generality of the foregoing, Administrative Agent shall and shall cause a Buyer or Buyer assignee or participant to deliver to the Seller, to the extent legally entitled to do so&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i42f45965eeea47e2addcdc1e517cf5e6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(A) in the case of a Buyer or Buyer assignee or participant which is a &#8220;U.S. Person&#8221; as defined in section 7701(a)(30) of the Code, a properly completed and executed Internal Revenue Service (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">IRS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) Form W-9 certifying that it is not subject to U.S. federal backup withholding tax&#59;  </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i8d34c41cc34e4669bcf52c1ce92af9b3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(B) in the case of a Buyer or Buyer assignee or participant which is not a &#8220;U.S. Person&#8221; as defined in Code section 7701(a)(30)&#58; (I) a properly completed and executed IRS Form W-8BEN, W-8BEN-E or W-8ECI, as appropriate, evidencing entitlement to a zero percent or reduced rate of U.S. federal income tax withholding on any payments made hereunder, (II) in the case of such non-U.S. Person claiming exemption from the withholding of U.S. federal income tax under Code sections 871(h) or 881(c) with respect to payments of &#8220;portfolio interest,&#8221; a duly executed certificate (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">U.S. Tax Compliance Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) to the effect that such non-U.S. Person is not (x) a &#8220;bank&#8221; within the meaning of Code section 881(c)(3)(A), (y) a &#8220;10 percent shareholder&#8221; of Seller or affiliate thereof, within the meaning of Code section 881(c)(3)(B), or (z) a &#8220;controlled foreign corporation&#8221; described in Code section 881(c)(3)(C), (III) to the extent such non-U.S. person is not the beneficial owner, executed originals of IRS Form W-8IMY, </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 46 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">accompanied by IRS Form W-8ECI, IRS Form W-8BEN, IRS Form W-8BEN-E, a U.S. Tax Compliance Certificate, IRS Form W-9, and&#47;or other certification documents from each beneficial owner, as applicable&#59; provided that if such non-U.S. person is a partnership and one or more direct or indirect partners of such non-U.S. person are claiming the portfolio interest exemption, such non-U.S. person may provide a U.S. Tax Compliance Certificate on behalf of each such direct and indirect partner, and (IV) executed originals of any other form or supplementary documentation prescribed by law as a basis for claiming exemption from or a reduction in United States federal withholding tax together with such supplementary documentation as may be prescribed by law to permit Seller to determine the withholding or deduction required to be made.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i42df00dcd0b043368fe46bb5094239de"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(C) if a payment made to a Buyer or Buyer assignee or participant under this Agreement would be subject to U.S. federal withholding tax imposed by FATCA if such Buyer or assignee or participant were to fail to comply with the applicable reporting requirements of FATCA (including those contained in Section 1471(b) or 1472(b) of the Code, as applicable), Administrative Agent on behalf of such Buyer or assignee or participant shall deliver to the Seller at the time or times prescribed by law and at such time or times reasonably requested by the Seller such documentation prescribed by applicable law (including as prescribed by Section 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 or to determine the amount to deduct and withhold from such payment. Solely for purposes of this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, &#8220;FATCA&#8221; shall include any amendments made to FATCA after the date of this Agreement.</font></div><div style="margin-top:12pt;padding-left:36pt;text-align:justify"><font id="i1dcc46991c1845bfa9000363278388de"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The applicable IRS forms referred to above shall be delivered by Administrative Agent on behalf of each applicable Buyer or Buyer assignee or participant on or prior to the date on which such person becomes a Buyer or Buyer assignee or participant under this Agreement, as the case may be, and upon the obsolescence or invalidity of any IRS form previously delivered by it hereunder.</font></div><div style="padding-left:36pt;text-align:justify;text-indent:45pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:45pt"><font id="ic6c62ff683f54e8e9a7a7612a048ae25"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:20.01pt">Any indemnification payable by Seller to Administrative Agent or a Buyer or Buyer assignee or participant for Indemnified Taxes or Other Taxes that are imposed on Administrative Agent or such Buyer or Buyer assignee or participant, as described in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, shall be paid by Seller </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">from Administrative Agent.  A certificate as to the amount of such payment or liability delivered to the Seller by the Administrative Agent on behalf of a Buyer or Buyer assignee or participant shall be conclusive absent manifest error.</font></div><div style="padding-left:36pt;text-align:justify;text-indent:45pt"><font id="ia2224aad9ca04bc3a0c2519c89cacf2c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18pt">Each party&#8217;s obligations under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall survive any assignment of rights by, or the replacement of, a Buyer or a Buyer assignee or participant, and the repayment, satisfaction or discharge of all obligations under any Program Agreement.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 47 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:36pt;text-align:justify;text-indent:45pt"><font id="i5dfa4afd2d9a431b8769009a87a3b7fb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;h.&#160;&#160;&#160;&#160;Each party to this Agreement acknowledges that it is its intent for purposes of U.S. federal, state and local income and franchise taxes to treat each Transaction as indebtedness of Seller that is secured by the Purchased Assets, and the Purchased Assets as owned by Seller in the absence of an Event of Default by Seller. Administrative Agent, each Buyer and Seller agree that they will treat and report for all tax purposes the Transactions entered into hereunder as one or more loans from a Buyer to Seller secured by the Purchased Mortgage Loans, unless otherwise prohibited by law or upon a final determination by any taxing authority that the Transactions are not loans for tax purposes.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="i1e6405b967004501ae8be6ec4813aca8"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">12.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Servicing</font></div><div style="padding-left:72pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i9c8b742f6505414da1e89138269ff175"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Seller, on Administrative Agent&#8217;s and Buyers&#8217; behalf, shall contract with Servicer to, or if Seller is the Servicer, Seller shall, service the Purchased Mortgage Loans consistent with the degree of skill and care that Seller customarily requires with respect to similar Purchased Mortgage Loans owned or managed by it and in accordance with Accepted Servicing Practices.  The Seller and Servicer shall (i)&#160;comply in all material respects with all applicable federal, state and local laws and regulations related to the servicing of such Purchased Mortgage Loans, (ii)&#160;maintain all state and federal licenses necessary for it to perform its servicing responsibilities hereunder and (iii)&#160;not impair the rights of Administrative Agent or Buyers in any Purchased Mortgage Loans or any payment thereunder.  Administrative Agent may terminate the servicing of any Purchased Mortgage Loans with the then existing Servicer in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;12.e</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ifc3f67e3819b4064b9c962309d9248cd"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">With respect to Mortgage Loans other than BPL &#8211; Holdbacks, Seller shall and shall cause the Servicer to hold or cause to be held all escrow funds collected by Seller and Servicer with respect to any Purchased Mortgage Loans in trust accounts and shall apply the same for the purposes for which such funds were collected.  With respect to BPL &#8211; Holdbacks, Seller shall and shall cause the originator or Servicer to hold or cause to be held all Holdback Amounts collected by the Seller or Servicer with respect to any Purchased Assets in the Holdback Account and shall apply the same to improve and rehabilitate the related Mortgaged Property.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i7898e95507bc437db513c31aea464d98"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">To the extent Seller engages a third party Servicer, Seller shall cause such Servicer to remit Income to Administrative Agent pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i0b52d57dff24479bbbd0288c67561067"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">In the event there is a third party Servicer and upon Administrative Agent&#8217;s request, Seller shall provide promptly to Administrative Agent a Servicer Notice addressed to and agreed to by the Servicer of the related Purchased Mortgage Loans, advising such Servicer of such matters as Administrative Agent may reasonably request, including, without limitation, recognition by the Servicer of Administrative Agent&#8217;s and Buyers&#8217; interest in such Purchased Mortgage </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 48 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Loans and the Servicer&#8217;s agreement that upon receipt of notice of an Event of Default from Administrative Agent, it will follow the instructions of Administrative Agent with respect to the Purchased Mortgage Loans and any related Income with respect thereto.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i478591ce2602467888b7f5d4f80f8afb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Upon the occurrence of an Event of Default hereunder or a material default under the Servicing Agreement, Administrative Agent shall have the right to immediately terminate the Servicer&#8217;s right to service the Purchased Mortgage Loans without payment of any penalty or termination fee.  For the avoidance of doubt, such termination by Administrative Agent shall not be subject to any payment requirement under the Servicing Agreement including any reimbursement for Servicer&#8217;s expenses, all of which shall remain an obligation of the Seller. Seller and the Servicer shall cooperate in transferring the servicing of the Purchased Mortgage Loans to a successor servicer appointed by Administrative Agent on behalf of Buyers in its sole discretion. For the avoidance of doubt any termination of the Servicer&#8217;s rights to service by the Administrative Agent as a result of an Event of Default shall be deemed part of an exercise of the Administrative Agent&#8217;s rights to cause the liquidation, termination or acceleration of this Agreement.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ie6a4e61eb80a4aabb9c923d1c5e39ad7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.01pt">If Seller should discover that, for any reason whatsoever, Seller or any entity responsible to Seller for managing or servicing any such Purchased Mortgage Loan has failed to perform fully Seller&#8217;s obligations under the Program Agreements or any of the obligations of such entities with respect to the Purchased Mortgage Loans, Seller shall promptly notify Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i4d1ab54b9a7f46f091e926a43b180f7a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i35b91c8731494c4e86412c0e888b84dc"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">For the avoidance of doubt, the Seller retains no economic rights to the servicing of the Purchased Mortgage Loans other than as set forth herein.  As such, the Seller expressly acknowledges that the Purchased Mortgage Loans are sold to Administrative Agent for the benefit of Buyers on a &#8220;servicing released&#8221; basis with such servicing retained by the Servicer.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i06e023370fe24b8087bf624d667df076"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">13.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Representations and Warranties</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Seller represents and warrants to Administrative Agent and Buyers as of the date hereof and as of each Purchase Date for any Transaction that&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Seller Existence</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has been duly organized and is validly existing as a limited liability company in good standing under the laws of the State of Delaware. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Licenses</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller is duly licensed and has all material governmental licenses, authorizations, consents and approvals necessary to own its assets and carry on its business as now being or as proposed to be </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 49 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">conducted and complies in all material respects with all applicable federal, state or local laws, rules and regulations. Seller has the requisite power and authority and legal right to originate and purchase Mortgage Loans (as applicable) and to own, sell and grant a lien on all of its right, title and interest in and to the Mortgage Loans, and to execute and deliver, engage in the transactions contemplated by, and perform and observe the terms and conditions of, each Program Agreement and any Transaction Request.  Seller is an FHA Approved Mortgagee and, to the extent Seller is originating VA Loans, a VA Approved Lender.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller has all requisite corporate or other power, and has all material governmental licenses, authorizations, consents and approvals necessary to own its assets and carry on its business as now being or as proposed to be conducted.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Due Authorization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller has all necessary corporate or other power, authority and legal right to execute, deliver and perform its obligations under each of the Program Agreements, as applicable.  Each Program Agreement has been (or, in the case of Program Agreements not yet executed, will be) duly authorized, executed and delivered by Seller, all requisite or other corporate action having been taken, and each is valid, binding and enforceable against Seller in accordance with its terms except as such enforcement may be affected by bankruptcy, by other insolvency laws, or by general principles of equity.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Financial Statements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Seller has heretofore furnished to Administrative Agent a copy of (a) its consolidated balance sheet and the consolidated balance sheets of its consolidated Subsidiaries for the most recent fiscal year-end, and the related consolidated statements of income and retained earnings and of cash flows for the Seller 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 a nationally recognized accounting firm acceptable to Administrative Agent and (b) its consolidated balance sheet and the consolidated balance sheets of its consolidated Subsidiaries for the most recent quarterly fiscal period of the Seller and the related consolidated statements of income and retained earnings and of cash flows for the Seller and its consolidated Subsidiaries for such quarterly fiscal periods, 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 Seller and its Subsidiaries and the consolidated results of their operations as at such dates and for such fiscal periods, all in accordance with GAAP (other than with respect to unaudited financial statements, footnotes, year-end adjustments and cash flow statements) applied on a consistent basis.  Since </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, there has been no material adverse change in the consolidated </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 50 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">business, operations or financial condition of the Seller and its consolidated Subsidiaries taken as a whole from that set forth in said financial statements nor is Seller aware of any state of facts which (with notice or the lapse of time) would reasonably be expected to result in any such material adverse change.  The Seller has, on the date of the statements delivered pursuant to this Section (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Statement Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) no material liabilities, direct or indirect, fixed or contingent, matured or unmatured, known or unknown, or material 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 Seller except as heretofore disclosed to Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  There exists no Event of Default under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;15(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, which default gives rise to a right to accelerate indebtedness as referenced in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;15(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, under any mortgage, borrowing agreement or other instrument or agreement pertaining to indebtedness for borrowed money or to the repurchase of mortgage loans or securities.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Solvency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller is solvent and will not be rendered insolvent by any Transaction and, after giving effect to such Transaction, will not be left with an unreasonably small amount of capital with which to engage in its business.  Seller does not intend to incur, nor believes that it has incurred, debts beyond its ability to pay such debts as they mature and is not contemplating the commencement of insolvency, bankruptcy, liquidation or consolidation proceedings or the appointment of a receiver, liquidator, conservator, trustee or similar official in respect of such entity or any of its assets.  The amount of consideration being received by Seller upon the sale of the Purchased Assets to Administrative Agent for the benefit of Buyers constitutes reasonably equivalent value and fair consideration for such Purchased Assets. Seller is not transferring any Purchased Assets to Administrative Agent with any intent to hinder, delay or defraud any of its creditors.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">No Conflicts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The execution, delivery and performance by Seller of each Program Agreement do not conflict in any material respect with any term or provision of the formation documents or by-laws of Seller.  The execution, delivery and performance by Seller of each Program Agreement do not conflict, in any material respect, with any material law, rule, regulation, order, judgment, writ, injunction or decree applicable to Seller of any court, regulatory body, administrative agency or governmental body having jurisdiction over Seller.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 51 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">True and Complete Disclosure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  All information, reports, exhibits, schedules, financial statements or certificates of Seller or any Affiliate thereof or any of their officers furnished or to be furnished to Administrative Agent or Buyers in connection with the initial or any ongoing due diligence of Seller or any Affiliate or officer thereof, negotiation, preparation, or delivery of the Program Agreements are true and complete in all material respects and do not omit to disclose any material facts necessary to make the statements herein or therein, in light of the circumstances in which they are made, not misleading.  All financial statements have been prepared in accordance with GAAP (other than solely with respect to unaudited financial statements, footnotes, year-end adjustments and cash flow statements).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(10)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  No consent, approval, authorization or order of, registration or filing with, or notice to any governmental authority or court is required under applicable law in connection with the execution, delivery and performance by Seller of each Program Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(11)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Except as otherwise disclosed to Administrative Agent in writing, there is no action or proceeding pending with respect to which Seller has received service of process or, to the best of Seller&#8217;s knowledge threatened against it before any court, administrative agency or other tribunal (A)&#160;asserting the invalidity of any Program Agreement, (B)&#160;seeking to prevent the consummation of any of the transactions contemplated any Program Agreement, (C) excluding Ordinary Course Litigation making a claim individually or in an aggregate amount greater than $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, or (D) which could reasonably be expected to materially and adversely affect the validity of the Purchased Assets or the performance by it of its obligations under, or the validity or enforceability of any Program Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(12)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  There has been no Material Adverse Effect since the date set forth in the most recent financial statements supplied to Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(13)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Ownership</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Upon payment of the Purchase Price and the filing of the financing statement and delivery of the Asset Files to the Custodian and the Custodian&#8217;s receipt of the related Request for Certification, Administrative Agent shall become the sole owner of the Purchased Assets and related Repurchase Assets for the benefit of the Buyers, free and clear of all liens and encumbrances.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Underwriting Guidelines provided to Administrative Agent are the true and correct Underwriting Guidelines of the Seller.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 52 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(15)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller and its Subsidiaries have timely filed all income tax returns and other material tax returns that are required to be filed by them and have paid all taxes prior to delinquency, 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.  The charges, accruals and reserves on the books of Seller and Seller&#8217;s Subsidiaries in respect of taxes and other governmental charges are, in the opinion of Seller, adequate.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(16)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Investment Company</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Seller nor any of its Subsidiaries is an &#8220;investment company&#8221;, or a company &#8220;controlled&#8221; by an &#8220;investment company,&#8221; within the meaning of the Investment Company Act of 1940, as amended.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Chief Executive Office&#59; Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  On the Effective Date, Seller&#8217;s chief executive office, is and has been located at 6561 Irvine Center Drive, Irvine, CA 92618.  On the Effective Date, Seller&#8217;s jurisdiction of organization is Delaware.  Except as otherwise disclosed to the Administrative Agent in writing, Seller does not have any trade name. Except as otherwise disclosed to the Administrative Agent in writing, during the preceding five years, Seller has not been known by or done business under any other name, corporate or fictitious, and has not filed or had filed against it any bankruptcy receivership or similar petitions nor has it made any assignments for the benefit of creditors.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(18)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Location of Books and Reco</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">rds.  The location where Seller keeps its books and records, including all computer tapes and records relating to the Purchased Assets and the related Repurchase Assets is its chief executive office.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(19)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(20)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">ERISA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Plan to which Seller or its Subsidiaries make direct contributions, and, to the knowledge of Seller, each other Plan and each Multiemployer Plan, is in compliance in all material respects with, and has been administered in all material respects in compliance with, the applicable provisions of ERISA, the Code and any other Federal or State law.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(21)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Adverse Selection</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has not selected the Purchased Assets in a manner so as to adversely affect Buyers&#8217; interests.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(22)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Seller nor any Subsidiary of Seller is in default in the performance, observance or fulfillment of any of the obligations, covenants or conditions contained in any agreement, instrument, or indenture which default could reasonably be expected to have a material </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 53 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">adverse effect on the business, operations, properties, or financial condition of Seller as a whole.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(23)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Other Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  All Indebtedness (other than Indebtedness evidenced by this Agreement) of Seller existing on the Effective Date is listed on Exhibit B to the Pricing Side Letter (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Existing Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;). </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(24)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Agency Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  With respect to each Agency Security and to the extent necessary, Seller is an FHA Approved Mortgagee, a VA Approved Lender and approved by GNMA as an approved lender. Seller is also approved by Fannie Mae as an approved lender and Freddie Mac as an approved seller&#47;servicer, and, to the extent necessary, approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act.  In each such case, Seller is in good standing, with no event having occurred or Seller having any reason whatsoever to believe or suspect will occur prior to the issuance of the Agency Security or the consummation of the Take-out Commitment, as the case may be, 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 to the Department of Housing and Urban Development, FHA or VA.   </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(25)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">No Reliance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has made its own independent decision to enter into the Program Agreements 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 Administrative Agent or Buyers as to any aspect of the Transactions, including without limitation, the legal, accounting or tax treatment of such Transactions.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(26)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Plan Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller is not an employee benefit plan as defined in Section 3 of Title I of ERISA, or a plan described in Section 4975(e)(1) of the Code, and the Purchased Assets are not &#8220;plan assets&#8221; within the meaning of 29 CFR &#167;2510.3 101 as amended by Section 3(42) of ERISA, in Seller&#8217;s hands, and transactions by or with Seller are not subject to any state or local statute regulating investments or fiduciary obligations with respect to governmental plans within the meaning of Section 3(32) of ERISA or church plans within the meaning of Section 3(33) of ERISA.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(27)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">No Prohibited Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Neither Seller nor any of its Affiliates, officers, directors, partners or members, is an entity or person (or to Seller&#8217;s knowledge, 50 percent or greater owned by an entity or person)&#58; (i)&#160;whose name appears on the United States Treasury Department&#8217;s Office of </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 54 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Foreign Assets Control (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">OFAC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) most current list of &#8220;Specifically Designated National and Blocked Persons&#8221; (which list may be published from time to time in various mediums including, but not limited to, the OFAC website, http&#58;www.treas.gov&#47;ofac&#47;t11sdn.pdf)&#59; or (ii) is otherwise the target of sanctions administered by OFAC (any and all parties or persons described in clauses&#160;(i) and (ii) above are herein referred to as a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibited Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(28)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Servicing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has adequate financial standing, servicing facilities, procedures and experienced personnel necessary for the sound servicing of mortgage loans of the same types as may from time to time constitute Mortgage Loans and in accordance with Accepted Servicing Practices.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">With respect to every Purchased Asset, Seller represents and warrants to Administrative Agent and Buyers as of the applicable Purchase Date for any Transaction and each date thereafter that each representation and warranty set forth on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">1 is true and correct.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">The representations and warranties set forth in this Agreement shall survive transfer of the Purchased Assets to Administrative Agent for the benefit of Buyers and each Buyer and shall continue for so long as the Purchased Assets are subject to this Agreement.  Upon discovery by Seller or Administrative Agent of any breach of any of the representations or warranties set forth in this Agreement, the party discovering such breach shall promptly give notice of such discovery to the others. Administrative Agent has the right to require, in its unreviewable discretion, Seller to repurchase </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after receipt of notice from Administrative Agent any Purchased Asset for which a breach of one or more of the representations and warranties referenced in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> exists and which breach has a material adverse effect on the value of such Purchased Asset or the interests of Administrative Agent or Buyers, and such repurchase shall occur </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after receipt of notice from Administrative Agent requesting the same.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ifb01580dd4c14bd1876a074e5b793bc1"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">14.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Covenants </font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Seller covenants with Administrative Agent and Buyers that, during the term of this facility&#58;</font></div><div><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller will promptly, and in any event </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after service of process on any of the following, give to Administrative Agent notice of all litigation, actions, suits, arbitrations (including, without limitation, any of the foregoing which are threatened or pending) or other legal or arbitrable proceedings affecting Seller or any of its Subsidiaries or affecting any of the Property of any of them before any Governmental Authority that (i) questions or challenges the validity or enforceability of any of the Program Agreements or any action to be taken in connection with the transactions contemplated </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 55 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">hereby, (ii) excluding Ordinary Course Litigation, makes a claim individually or in an aggregate amount greater than $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, or (iii) which, individually or in the aggregate could be reasonably likely to have a Material Adverse Effect.  Seller will promptly provide notice of any judgment, which with the passage of time, could cause an Event of Default hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Prohibition of Fundamental Changes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not enter into any transaction of merger or consolidation or amalgamation, or liquidate, wind up or dissolve itself (or suffer any liquidation, winding up or dissolution) or sell all or substantially all of its assets.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Servicing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall not cause the Purchased Mortgage Loans to be serviced by any Servicer other than a Servicer expressly approved in writing by Administrative Agent on behalf of Buyers, which approval shall be deemed granted by Administrative Agent on behalf of Buyers with respect to Seller with the execution of this Agreement.  </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Seller shall continue to maintain, for Seller and its Subsidiaries, Fidelity Insurance in an aggregate amount acceptable to Fannie Mae, Freddie Mac and GNMA.  The Seller shall maintain, for Seller and its Subsidiaries, 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.  The Seller shall notify the Administrative Agent of any material adverse change in the terms of any such Fidelity Insurance.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">No Adverse Claims</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller warrants and will defend, and shall cause any Servicer to defend, the right, title and interest of Administrative Agent and Buyers in and to all Purchased Assets and the related Repurchase Assets against all adverse claims and demands.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">Assignment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Except as permitted herein, neither Seller nor any Servicer shall sell, assign, transfer or otherwise dispose of, or grant any option with respect to, or pledge, hypothecate or grant a security interest in or lien on or otherwise encumber (except pursuant to the Program Agreements), any of the Purchased Assets or any interest therein, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> that this Section shall not prevent any transfer of Purchased Assets in accordance with the Program Agreements.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall do all things necessary to preserve the Purchased Assets and the related Repurchase Assets so that they remain subject to a first priority perfected security interest hereunder (in each case, to the extent a security interest may be perfected by possession, control or filing of a UCC financing statement).  Without limiting the foregoing, Seller will comply in all material respects with all rules, regulations and other laws of any Governmental Authority.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 56 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Records</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.67pt">Seller shall collect and maintain or cause to be collected and maintained all Records relating to the Purchased Assets and Repurchase Assets in accordance with industry custom and practice for assets similar to the Purchased Assets and Repurchase Assets, including those maintained pursuant to the preceding subparagraph, and all such Records shall be in the Seller&#8217;s, Custodian&#8217;s or Servicer&#8217;s possession (in accordance with this Agreement and the Custodial Agreement) unless Administrative Agent otherwise approves.  Except in accordance with the Custodial Agreement, Seller will not allow any such papers, records or files that are an original or an only copy to leave the Seller&#8217;s, Custodian&#8217;s or Servicer&#8217;s possession, except for individual items removed in connection with servicing a specific Purchased Mortgage Loan, in which event Seller will obtain or cause to be obtained a receipt from a financially responsible person for any such paper, record or file.  Seller or the Servicer of the Purchased Assets will maintain all such Records not in the possession of the Custodian in good and complete condition in accordance with industry practices for assets similar to the Purchased Assets and preserve them against loss.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.67pt">For so long as Administrative Agent has an interest in or lien on any Purchased Assets, Seller will hold or cause to be held all related Records in trust for Administrative Agent.  Seller shall notify, or cause to be notified, every other party holding any such Records of the interests and liens in favor of Administrative Agent granted hereby.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.67pt">Upon reasonable advance notice from the Custodian or Administrative Agent, Seller shall (x)&#160;make any and all such Records available to the Custodian, Administrative Agent and a Buyer to examine any such Records, either by its own officers or employees, or by agents or contractors who are bound by requirements of confidentiality, or both, and make copies of all or any portion thereof, and (y)&#160;permit Administrative Agent or a Buyer or its authorized agents to discuss the affairs, finances and accounts of Seller with its chief operating officer and chief financial officer and to discuss the affairs, finances and accounts of Seller with its independent certified public accountants.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Books</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall keep or cause to be kept in reasonable detail books and records of account of its assets and business and shall clearly reflect therein the transfer of Purchased Assets to Administrative Agent for the benefit of Buyers.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall maintain all material licenses, permits or other approvals necessary for Seller to conduct its business and to perform its obligations under the Program Agreements, and Seller shall conduct its business in accordance in all material respects with applicable law.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 57 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Material Change in Business</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not make any material change in the nature of its business as carried on at the date hereof.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Other than underwriting guidelines of the Agencies, Seller shall not make any amendment or other modification to the Underwriting Guidelines which </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Without limiting the foregoing, in the event that Seller makes any amendment or modification to the Underwriting Guidelines, Seller shall promptly deliver to Administrative Agent a complete copy of the amended or modified Underwriting Guidelines upon request.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">m.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.67pt;text-decoration:underline">Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. If an Event of Default has occurred and is continuing, Seller shall not pay any dividends with respect to any capital stock or other equity interests in such entity, whether now or hereafter outstanding, or make any other distribution in respect thereof, either directly or indirectly, whether in cash or property or in obligations of Seller, except that, notwithstanding the foregoing, Seller shall be permitted at all times to make Tax Distributions.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">n.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Applicable Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall comply in all material respects with the requirements of all applicable laws, rules, regulations and orders of any Governmental Authority.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">o.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Existence</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall preserve and maintain its legal existence and all of its material rights, privileges, licenses and franchises, except for failures to maintain any such rights, privileges licenses and franchises, which, individually or in the aggregate, would not have a Material Adverse Effect.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">p.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Chief Executive Office&#59; Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not move its chief executive office from the address referred to in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or change its jurisdiction of organization from the jurisdiction referred to in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> unless it shall have provided Administrative Agent </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of such change.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">q.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall timely file all tax returns that are required to be filed by it and shall timely pay and discharge all taxes, assessments and governmental charges or levies imposed on it or on its income or profits or on any of its property prior to the date on which penalties attach thereto, except for any such tax, assessment, charge or levy the payment of which is being contested in good faith and by proper proceedings and against which adequate reserves are being maintained.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">r.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">Transactions with Affiliates</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller will not enter into any transaction, including, without limitation, any purchase, sale, lease or exchange of property or the rendering of any service, with any Affiliate unless such transaction is (a) otherwise not prohibited under the Program Agreements and (b) upon fair and reasonable terms no less favorable to Seller than it would obtain in a comparable arm&#8217;s length transaction with a Person which is not an </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 58 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Affiliate. Nothing herein shall prohibit distributions and dividends that are not prohibited under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 14(m)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">s.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:10.34pt;text-decoration:underline">Guarantees</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not create, incur, assume or suffer to exist any Guarantees, except (i)&#160;to the extent reflected in Seller&#8217;s financial statements or notes thereto (ii)&#160;to the extent the aggregate Guarantees of Seller do not exceed $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, or (iii) to the extent such Guarantee is otherwise disclosed to Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;margin-top:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">t.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not incur any additional material Indebtedness, including without limitation, any Indebtedness relating to any mortgage servicing rights or corporate or servicing advances, (other than (i)&#160;the Existing Indebtedness in amounts not to exceed the amounts specified on Exhibit B to the Pricing Side Letter and (ii)&#160;usual and customary accounts payable for a mortgage company) without providing written notice of the same to the Administrative Agent.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">  </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">u.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">HUD and FHA Matters Regarding Income and Accounts with Respect to Early Buyout Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">With respect to each Early Buyout Loan that is an FHA Loan, Seller shall list the Servicer as the servicer on FHA Connection System and the Seller to be identified as the mortgagee of record on such system under mortgagee number </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. With respect to each Early Buyout Loan that is a VA Loan, Seller shall list the Servicer as the servicer on the VALERI system under payee vendor identification number </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall cause Servicer to submit all claims to HUD and VA under such applicable numbers for remittance of amounts to the Clearing Account. </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">To the extent HUD deducts any amounts owing by (i) Seller or (ii) Servicer that are unrelated to the applicable Early Buyout Loan, in each case, to HUD, Seller shall deposit, or cause Servicer to deposit, within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">following notice or knowledge of such deduction by HUD, such deducted amounts into the applicable account.</font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">Seller shall maintain HUD and GNMA approvals.  Should Seller for any reason, cease to possess a HUD or GNMA approval, Seller shall so notify Administrative Agent immediately in writing. </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">Seller shall cooperate and do all things deemed necessary or appropriate by Buyer to effectuate the steps as contemplated in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 14.u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">v.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Hedging</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller has entered into Interest Rate Protection Agreements or other arrangements with respect to the Purchased Mortgage Loans, having terms with respect to protection against fluctuations in interest rates consistent </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 59 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">with the terms of Seller&#8217;s hedging program and has notified Administrative Agent of the terms of such Interest Rate Protection Agreements or other arrangements in writing.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">w.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.34pt;text-decoration:underline">True and Correct Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  All information, reports, exhibits, schedules, financial statements or certificates of Seller, any Affiliate thereof or any of their officers furnished to Administrative Agent and&#47;or Buyers hereunder and during Administrative Agent&#8217;s and&#47;or Buyers&#8217; diligence of Seller are and will be true and complete in all material respects and do not omit to disclose any material facts necessary to make the statements herein or therein, in light of the circumstances in which they are made, not misleading.  All required financial statements, information and reports delivered by Seller to Administrative Agent and&#47;or Buyers pursuant to this Agreement shall be prepared in accordance with U.S. GAAP (other than, with respect to unaudited financial statements, footnotes, year-end adjustments and cash flow statements).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">x.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Agency Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall maintain all Agency Approvals necessary for the conduct of its business.  Should Seller, for any reason, cease to possess all such applicable Agency Approvals, or should notification to the relevant Agency or to the Department of Housing and Urban Development, FHA or VA be required, Seller shall so notify Administrative Agent within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Notwithstanding the preceding sentence, Seller shall take all necessary action to maintain all of its applicable Agency Approvals at all times during the term of this Agreement and each outstanding Transaction. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">y.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Take-out Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. With respect to each Committed Mortgage Loan, Seller shall arrange that all payments under the related Take-out Commitment shall be paid directly to Administrative Agent at the account set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 9</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, or to an account approved by Administrative Agent in writing prior to such payment. With respect to any Agency Take-out Commitment, if applicable, (1) with respect to the wire transfer instructions as set forth in Freddie Mac Form 987 (Wire Transfer Authorization for a Cash Warehouse Delivery) such wire transfer instructions are identical to Administrative Agent&#8217;s wire instructions or Administrative Agent has approved such wire transfer instructions in writing in its sole discretion, or (2) the Payee Number set forth on Fannie Mae Form 1068 (Fixed-Rate, Graduated-Payment, or Growing-Equity Mortgage Loan Schedule) or Fannie Mae Form 1069 (Adjustable-Rate Mortgage Loan Schedule), as applicable, shall be identical to the Payee Number that has been identified by Administrative Agent in writing as Administrative Agent&#8217;s Payee Number or Administrative Agent shall have previously approved the related Payee Number in writing in its sole discretion&#59; with respect to any Take-out Commitment with an Agency, the applicable agency documents shall list </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 60 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent as sole subscriber, unless otherwise agreed to in writing by Administrative Agent, in Administrative Agent&#8217;s sole discretion.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">z.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">No Pledge</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Except pursuant to this Agreement, Seller shall not, and shall not cause Servicer to, pledge, transfer or convey any security interest in the Clearing Account to any Person (other than Administrative Agent) without the express written consent of Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">aa.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.36pt;text-decoration:underline">Plan Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall not be an employee benefit plan as defined in Section 3 of Title I of ERISA, or a plan described in Section 4975(e)(1) of the Code and Seller shall not use &#8220;plan assets&#8221; within the meaning of 29 CFR &#167;2510.3 101, as amended by Section 3(42) of ERISA to engage in this Agreement or any Transaction hereunder. Transactions by or with Seller shall not be subject to any foreign, state or local statute regulating investments of or fiduciary obligations with respect to governmental plans within the meaning of Section 3(32) of ERISA or church plans within the meaning of Section 3(33) of ERISA.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ab.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div><font><br></font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ac.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.36pt;text-decoration:underline">No Prohibited Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Seller nor any of its officers, directors, partners or members, shall be an entity or person (or to the Seller&#8217;s knowledge, 50 percent or greater owned by an entity or person)&#58; (i)&#160;whose name appears on OFAC&#8217;s most current list of &#8220;Specifically Designated National and Blocked Persons&#8221; (which list may be published from time to time in various mediums including, but not limited to, the OFAC website, http&#58;www.treas.gov&#47;ofac&#47;t11sdn.pdf)&#59; or (ii) shall otherwise be the target of sanctions administered by OFAC (any and all parties or persons described in clauses&#160;(i) and (ii) above are herein referred to as a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibited Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).  </font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ad.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Lender Insurance Authority</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  In the event that Seller has on the date hereof or subsequently receives Lender Insurance Authority, such authority shall not be revoked or suspended.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ae.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.36pt;text-decoration:underline">Quality Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall maintain an internal quality control program that verifies, on a regular basis, the existence and accuracy of all legal documents, credit documents, property appraisals, and underwriting decisions related to Purchased Mortgage Loans and shall provide the most recent report on the results of such quality control program in the Officer&#8217;s Compliance Certificate provided pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Such program shall be capable of evaluating and monitoring the overall quality of Seller&#8217;s loan production and servicing activities.  Such program shall (i) ensure that the Purchased Mortgage Loans are originated and serviced in accordance with prudent mortgage banking practices and accounting principles&#59; (ii) guard </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 61 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">against dishonest, fraudulent, or negligent acts&#59; and (iii) guard against errors and omissions by officers, employees, or other authorized persons.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">af.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.69pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.   </font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ag.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">MERS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall comply in all material respects with the rules and procedures of MERS in connection with the servicing of all Purchased Mortgage Loans that are registered with MERS and, with respect to Purchased Mortgage Loans that are eMortgage Loans, the maintenance of the related eNotes on the MERS eRegistry for as long as such Purchased Mortgage Loans are so registered. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ah.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Beneficial Ownership Certification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.&#160; Seller shall at all times either (i)&#160;ensure that the Seller has delivered to Administrative Agent a Beneficial Ownership Certification, if applicable, and that the information contained therein is true and correct in all respects or (ii) deliver to Administrative Agent an updated Beneficial Ownership Certification if any information contained in any previously delivered Beneficial Ownership Certification ceases to be true and correct in all respects. At all times, Seller shall promptly notify Administrative Agent upon becoming aware that the information provided in the most recent Beneficial Ownership Certification is no longer true and correct and shall deliver an updated Beneficial Ownership Certification to Administrative Agent promptly but in any event </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ai.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.35pt;text-decoration:underline">Investment Company</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall not become an &#8220;investment company&#8221;, or a company &#8220;controlled&#8221; by an &#8220;investment company&#8221;, within the meaning of the Investment Company Act.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">aj.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.35pt;text-decoration:underline">Financial Covenants</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall at all times comply with all financial covenants and&#47;or financial ratios set forth in Section 2 of the Pricing Side Letter (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Financial Covenants</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ak.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Chief Executive Office&#59; Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall provide Administrative Agent with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of any change in Seller&#8217;s principal office or place of business, legal name or jurisdiction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i8f06c51e1452461c975cc61da0e7b1bc"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">15.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Events of Default</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Each of the following shall constitute an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; hereunder&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Payment Failure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Failure of Seller to (i)&#160;make any payment of Price Differential or Repurchase Price or any other sum which has become due, on a Payment Date or a Repurchase Date or otherwise, whether by acceleration or otherwise, under the terms of this Agreement, (ii)&#160;cure any Margin Deficit when due pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof or (iii) to make any payment when due </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 62 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">hereunder, other than such payments described in clauses (i) and (ii) hereof, and such failure continues </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Cross Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller or any of Seller&#8217;s Affiliates that are party to any Program Agreement shall be in default after the expiration of any grace or cure period to the extent not waived or cured in writing under (i) any Indebtedness, including, without limitation, the WHCO Repo Agreement, in the aggregate, in excess of $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">with respect to Seller or such Affiliate which default (1) involves the failure to pay a matured obligation, or (2) permits the acceleration of the maturity of obligations by any other party to or beneficiary with respect to such Indebtedness, or (ii) any other contract or contracts, in the aggregate in excess of $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">to which Seller or such Affiliate is a party which default (1) involves the failure to pay a matured obligation, or (2) permits the acceleration of the maturity of obligations by any other party to or beneficiary of such contract. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Assignment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  (i) Assignment or attempted assignment by Seller of this Agreement or any rights hereunder without first obtaining the specific written consent of Administrative Agent, or (ii) the granting by Seller of any security interest, lien or other encumbrances on any Purchased Asset to any person other than Administrative Agent and such affected Purchased Asset pursuant to this clause c(ii) has not been repurchased </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Insolvency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An Act of Insolvency shall have occurred with respect to Seller.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The occurrence of a Material Adverse Effect. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">Breach of Financial Representation or Covenant or Obligation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A breach by Seller of any of the representations, warranties or covenants or obligations set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Breach of Non-Immediate Representation or Covenant</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A breach by Seller of any other material representation, warranty or covenant set forth in this Agreement or any other Program Agreement (and not otherwise specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 15(f)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above), if such breach is not cured </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after Seller&#8217;s knowledge thereof (other than the representations and warranties set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, which shall be considered solely for the purpose of determining the Asset Value, the existence of a Margin Deficit and the obligation to repurchase such Purchased Mortgage Loan) unless (i) such party shall have made any such representations and warranties with knowledge that they were materially false or misleading at the time made, (ii) any such representations and warranties have been determined by Administrative Agent in its good faith discretion to be materially false or misleading on a regular basis, or (iii) Administrative Agent, in its good faith discretion, determines that such breach of a material representation, warranty or covenant materially and adversely </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 63 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">affects (A) the condition (financial or otherwise) of Seller or an Affiliate of Seller to a Program Agreement&#59; or (B) Administrative Agent&#8217;s determination to enter into this Agreement or Transactions with such party, then such breach shall constitute an immediate Event of Default (and Seller shall have no cure right hereunder).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Change of Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The occurrence of a Change in Control shall have occurred without Administrative Agent&#8217;s prior written consent.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Failure to Transfer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller fails to transfer the Purchased Assets to Administrative Agent for the benefit of the applicable Buyer in the manner set forth in the Program Agreements (provided the Administrative Agent on behalf of the applicable Buyer has tendered the related Purchase Price) and such failure continues </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Judgment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A final judgment or judgments for the payment of money in excess of $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">in the aggregate shall be rendered against Seller by one or more courts, administrative tribunals or other bodies having jurisdiction 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 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Government Action</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Any Governmental Authority or any person, agency or entity acting or purporting to act under governmental authority shall have taken any action to condemn, seize or appropriate, or to assume custody or control of, all or any substantial part of the Property of Seller, or shall have taken any action to displace the management of Seller or to curtail its authority in the conduct of the business of Seller, or takes any action in the nature of enforcement to remove, limit or restrict the approval of Seller as an issuer, buyer or a seller&#47;servicer of Purchased Asset or securities backed thereby, and such action provided for in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 15(k)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall not have been discontinued or stayed within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Inability to Perform</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An officer of Seller shall admit its inability to, or its intention not to perform any of Seller&#8217;s Obligations hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">m.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.67pt;text-decoration:underline">Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  This Agreement shall for any reason cease to create a valid, first priority security interest (except to the extent a security interest may not be perfected by possession, control or filing of a UCC financing statement) in any material portion of the Purchased Assets or other Repurchase Assets purported to be covered hereby.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">n.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Financial Statements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller&#8217;s audited annual financial statements or the notes thereto or other opinions or conclusions stated therein shall be qualified or limited by reference to the status of Seller as a &#8220;going concern&#8221; or a reference of similar import.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 64 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">o.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Custodian</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  With respect to Early Buyout Loans, the applicable Custodian fails to maintain its good standing under the GNMA Guide or FHA Regulations and is not replaced or the Seller fails to repurchase such Early Buyout Loans or such breach is not waived by Administrative Agent in writing within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">p.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Servicer Default.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> There is a breach by Servicer of the Servicing Agreement and Seller has not appointed a successor servicer acceptable to Administrative Agent or such breach is not waived by Administrative Agent in writing within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">An Event of Default shall be deemed to be continuing unless expressly waived by Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ie928b7da5ae043f396509638f35e9564"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">16.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Remedies Upon Default</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">In the event that an Event of Default shall have occurred and is continuing&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Administrative Agent may, at its option (which option shall be deemed to have been exercised immediately upon the occurrence of an Act of Insolvency of Seller), declare an Event of Default to have occurred hereunder and, upon the exercise or deemed exercise of such option, the Repurchase Date for each Transaction hereunder shall, if it has not already occurred, be deemed immediately to occur (except that, in the event that the Purchase Date for any Transaction has not yet occurred as of the date of such exercise or deemed exercise, such Transaction shall be deemed immediately canceled).  Administrative Agent shall (except upon the occurrence of an Act of Insolvency of Seller) give notice to Seller of the exercise of such option as promptly as practicable.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">If Administrative Agent exercises or is deemed to have exercised the option referred to in subparagraph (a) of this Section, (i) Seller&#8217;s obligations in such Transactions to repurchase all Purchased Assets at the Repurchase Price therefor on the Repurchase Date determined in accordance with subparagraph (a) of this Section, shall thereupon become immediately due and payable, (ii) all Income paid after such exercise or deemed exercise shall be retained by Administrative Agent and applied, in Administrative Agent&#8217;s sole discretion, in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7.j</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, and (iii) Seller shall immediately deliver to Administrative Agent the Asset Files relating to any Purchased Mortgage Loans subject to such Transactions then in Seller&#8217;s possession or control. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Administrative Agent also shall have the right to obtain physical possession, and to commence an action to obtain physical possession, of all Records and files of Seller relating to the Purchased Assets and Repurchase Assets and all documents relating to the Purchased Assets (including, without </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 65 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">limitation, any legal, credit or servicing files with respect to the Purchased Assets and Repurchase Assets) which are then or may thereafter come in to the possession of Seller or any third party acting for Seller.  To obtain physical possession of any Purchased Assets held by the Custodian, Administrative Agent shall present to the Custodian a Trust Receipt.  Without limiting the rights of Administrative Agent hereto to pursue all other legal and equitable rights available to Administrative Agent for Seller&#8217;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 Administrative Agent 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 Administrative Agent from pursuing any other remedies for such breach, including the recovery of monetary damages.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Administrative Agent shall have the right to direct all servicers then servicing any Purchased Assets to remit all collections thereon to Administrative Agent, and if any such payments are received by Seller, Seller shall not commingle the amounts received with other funds of Seller and shall promptly pay them over to Administrative Agent. Administrative Agent shall also have the right to terminate any one or all of the servicers then servicing any Purchased Assets with or without cause.  In addition, Administrative Agent shall have the right to immediately sell the Purchased Assets and liquidate all Repurchase Assets.  Such disposition of Purchased Assets may be, at Administrative Agent&#8217;s option, on either a servicing-released or a servicing-retained basis.  Administrative Agent shall not be required to give any warranties as to the Purchased Assets with respect to any such disposition thereof.  Administrative Agent may specifically disclaim or modify any warranties of title or the like relating to the Purchased Assets.  The foregoing procedure for disposition of the Purchased Assets and liquidation of the Repurchase Assets shall not be considered to adversely affect the commercial reasonableness of any sale thereof.  Seller agrees that it would not be commercially unreasonable for Administrative Agent to dispose of the Purchased Assets or the Repurchase Assets or any portion thereof by using Internet sites that provide for the auction of assets similar to the Purchased Assets or the Repurchase Assets, or that have the reasonable capability of doing so, or that match buyers and sellers of assets.  Administrative Agent shall be entitled to place the Purchased Assets in a pool for issuance of mortgage-backed securities at the then-prevailing price for such securities and to sell such securities for such prevailing price in the open market.  Administrative Agent shall also be entitled to sell any or all of such Purchased Assets individually for the prevailing price. Administrative Agent shall also be entitled, in its sole good faith discretion to elect, in lieu of selling all or a portion of such Purchased Assets, to give the Seller credit for such Purchased Assets and the Repurchase Assets in an amount equal to the Asset Value of </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 66 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">the Purchased Assets against the aggregate unpaid Repurchase Price and any other amounts owing by the Seller hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Administrative Agent may apply any proceeds from the liquidation of the Purchased Assets and Repurchase Assets to the Repurchase Prices hereunder and all other Obligations in the manner Administrative Agent deems appropriate in its sole discretion subject to the Administration Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt">Seller recognizes that the market for the Purchased Assets may not be liquid and as a result it may not be possible for Administrative Agent to sell all of the Purchased Assets on a particular Business Day, or in a transaction with the same purchaser, or in the same manner.  In view of the nature of the Purchased Assets, Seller agrees that liquidation of any Purchased Asset may be conducted in a private sale and at such price as Administrative Agent may deem commercially reasonable.  In view of the nature of the Mortgage Loans, Seller agrees that liquidation of any Mortgage Loan may be conducted in a private sale and at such price as Administrative Agent may deem commercially reasonable.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Seller shall be liable to Administrative Agent and each Buyer for (i)&#160;the amount of all reasonable legal or other expenses (including, without limitation, all costs and expenses of Administrative Agent and each 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&#8217; rights generally, further including, without limitation, the reasonable fees and expenses of counsel incurred in connection with or as a result of an Event of Default, (ii)&#160;damages in an amount equal to the cost (including all fees, expenses and commissions) of entering into or terminating hedge transactions in connection with or as a result of an Event of Default, and (iii)&#160;any other loss, damage, cost or expense directly arising or resulting from the occurrence of an Event of Default in respect of a Transaction.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">To the extent permitted by applicable law, Seller shall be liable to Administrative Agent and each 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)&#160;paid in full by Seller or (ii)&#160;satisfied in full by the exercise of Administrative Agent&#8217;s and Buyers&#8217; rights hereunder.  Interest on any sum payable by Seller under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;16(h)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall accrue at a rate equal to the Post-Default Rate.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt">Administrative Agent shall have, in addition to its rights hereunder, any rights otherwise available to it under any other agreement or applicable law.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt">Administrative Agent may exercise one or more of the remedies available to Administrative Agent immediately upon the occurrence of an Event of </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 67 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Default and, except to the extent provided in subsections (a) and (d) of this Section, 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 Administrative Agent may have.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Administrative Agent 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 Administrative Agent 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 nonjudicial process, enforcement and sale of all or any portion of the Repurchase Assets, or from any other election of remedies.  Seller recognizes that nonjudicial remedies are consistent with the usages of the trade, are responsive to commercial necessity and are the result of a bargain at arm&#8217;s length.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt">Administrative Agent shall have the right to perform reasonable due diligence with respect to Seller, the Purchased Assets, which review shall be at the expense of Seller.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="if72b601eea1b489f9c6694fd98f5bfe7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">17.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Reports</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Default Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall furnish to Administrative Agent (i)&#160;promptly, copies of any material and adverse notices (including, without limitation, notices of defaults, termination events, breaches, potential defaults or potential breaches) and any material financial information that is not otherwise required to be provided by Seller hereunder which is given to Seller&#8217;s lenders and (ii)&#160;immediately after knowledge thereof, notice of the occurrence of any (A) Event of Default hereunder, (B) default or breach by Seller or Servicer of any obligation under any Program Agreement or any material obligation under any material contract or agreement of Seller or Servicer or (C) event or circumstance that such party reasonably expects has resulted in, or will, with the passage of time, result in, a Material Adverse Effect or an Event of Default.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Financial Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall furnish to Administrative Agent&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">as soon as available and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the unaudited consolidated balance sheets of Seller and its consolidated Subsidiaries as at the end of such period and the related unaudited consolidated statements of income and retained earnings and of cash flows for the Seller and its consolidated Subsidiaries for such period and the portion of the fiscal year through the end of such period, accompanied by a certificate of a Responsible Officer of Seller, which certificate shall state that said consolidated financial statements fairly present in all material respects the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 68 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">consolidated financial condition and results of operations of Seller and its consolidated Subsidiaries in accordance with GAAP (other than with respect to footnotes, year-end adjustments and cash flow statements) consistently applied, as at the end of, and for, such period&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">as soon as available and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the consolidated balance sheets of Seller and its consolidated Subsidiaries as at the end of such fiscal year and the related consolidated statements of income and retained earnings and of cash flows for the 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 Ernst &#38; Young LP or independent certified public accountants of recognized national standing, which opinion shall not be qualified as to the scope of audit and shall have no &#8220;going concern&#8221; qualification and shall state that said consolidated financial statements fairly present the consolidated financial condition and results of operations of Seller and its respective consolidated Subsidiaries as at the end of, and for, such fiscal year in accordance with GAAP&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">at the time the Seller furnishes each set of financial statements pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above, an Officer&#8217;s Compliance Certificate of a Responsible Officer of Seller in the form attached as Exhibit A to the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">as soon as available and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.7pt">such other information regarding the financial condition, operations, or business of the Seller as Administrative Agent may reasonably request&#59; and</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">the particulars of any Event of Termination in reasonable detail.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font id="ic32ad0d375e84f75a05fca4fbbc634eb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Seller shall provide the market value analysis for the valuation of its mortgage servicing rights as by a Third Party Evaluator for each monthly fiscal period, as set forth in the Officer&#8217;s Compliance Certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font id="i3e6ec74069284cf6915a333c65968c13"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt"> To the extent it may do so without breaching any confidentiality or other restrictions, Seller shall provide Administrative Agent, as part of the Officer&#8217;s Compliance Certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above, a list of all material actions, notices, proceedings or investigations pending with respect to which Seller has received service of process or other form of notice or, to the best of Seller&#8217;s knowledge, threatened against it, before any court, administrative or governmental agency </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 69 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or other regulatory body or tribunal as of such date with such information provided as noted in the applicable Schedule to Exhibit A to the Pricing Side Letter&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, if such information is subject to a confidentiality requirement, for as long as such information remains confidential, Seller shall (x) disclose to Buyer any portion of such information that is not confidential, (y) notify Buyer of any material event in a level of specificity that would not violate the confidentiality requirements and (z) promptly seek permission to disclose the information from the necessary parties and shall provide Buyer such information to the extent of such permission&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font id="i7d07b9bcfeb0498db5583e97f9c35628"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">upon Seller becoming aware of any Control Failure with respect to a Purchased Mortgage Loan that is an eMortgage Loan or any eNote Replacement Failure.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Notices of Certain Events</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  As soon as possible and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after knowledge thereof, Seller shall furnish to Administrative Agent notice of the following events&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Reserved&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">any material change in accounting policies or financial reporting practices of Seller or Servicer, other than changes in accordance with GAAP&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">with respect to any Purchased Mortgage Loan, that the underlying Mortgaged Property has been damaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, or otherwise damaged so as to affect materially and adversely the value of such Mortgage Loan&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Reserved&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">any material change in the material Indebtedness of the Seller, including, without limitation, any default, renewal, non-renewal, termination, increase in available amount or decrease in available amount related thereto&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Reserved&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">any other event, circumstance or condition that has resulted, or has a possibility of resulting, in a Material Adverse Effect with respect to Seller or Servicer&#59; and</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 70 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">the occurrence of any material employment dispute and a description of the strategy for resolving it that has the possibility of resulting in a Material Adverse Effect.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Servicing Tape</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  On the Reporting Date of each calendar month, Seller will furnish to Administrative Agent (i) an electronic Purchased Mortgage Loans performance data, including, without limitation, delinquency reports and volume information, broken down by product (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">i.e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, delinquency, foreclosure and net charge off reports) and (ii) electronically, in a format mutually acceptable to Administrative Agent and Seller, servicing information, including, without limitation, those fields reasonably requested by Administrative Agent from time to time, on a loan by loan basis and in the aggregate, with respect to the Purchased Mortgage Loans serviced by Seller or any Servicer for the month (or any portion thereof) prior to the Reporting Date.  In addition to the foregoing information on each Reporting Date, Seller will furnish to Administrative Agent such information upon the occurrence and continuation of an Event of Default. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Other Reports</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall deliver to Administrative Agent any other reports or information (including, without limitation, any primary mortgage insurance policy) relating to the Purchased Assets or the business or operations of Seller and Servicer as reasonably requested by Administrative Agent or as otherwise required pursuant to this Agreement or as set forth in the Officer&#8217;s Compliance Certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">DE Compare Ratio and HUD Reports.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Seller shall furnish to Administrative Agent the following notices&#58;</font></div><div style="padding-left:144pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">In the event Seller&#8217;s DE Compare Ratio equals or exceeds </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">%, Seller shall provide Administrative Agent with written notice of such occurrence within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, which notice shall include a written summary of actions Seller is taking to correct its DE Compare Ratio.  </font></div><div style="margin-top:12pt;padding-left:144pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">In the event Seller receives any inquiry or notice from HUD regarding its DE Compare Ratio, Seller shall provide Administrative Agent with written notice of such inquiry or notice within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, regardless of Seller&#8217;s current DE Compare Ratio.  </font></div><div style="margin-top:12pt;padding-left:144pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">In the event of any action plan with respect to Seller&#8217;s DE Compare Ratio is agreed to between Seller and HUD or imposed upon Seller by HUD, Seller shall provide Administrative Agent with a written summary of such agreement or imposition, as applicable, within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, if such information is subject to a confidentiality requirement, for as long as such </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 71 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:144pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">information remains confidential, Seller shall (i) disclose to Buyer any portion of such information that is not confidential, (ii) notify Buyer of any material event in a level of specificity that would not violate the confidentiality requirements and (iii) promptly seek permission to disclose the information from the necessary parties and shall provide Buyer such information to the extent of such permission.</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify;text-indent:36pt"><font id="i0cc8c5ca210a4f35bf27393740a29bce"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">18.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Repurchase Transactions</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">A Buyer may, in its sole election, engage in repurchase transactions (as &#8220;seller&#8221; thereunder) with any or all of the Purchased Assets and&#47;or Repurchase Assets or pledge, hypothecate, assign, transfer or otherwise convey any or all of the Purchased Assets and&#47;or Repurchase Assets with a counterparty of Buyers&#8217; choice (such transaction, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledge Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;)&#59; provided that, (i) such Buyer&#8217;s obligations under this Agreement shall remain unchanged, (ii) such Buyer shall remain solely responsible to the other parties hereto for the performance of such obligations, and (iii) Seller shall continue to deal solely and directly with such Buyer in connection with such Buyer&#8217;s rights and obligations under this Agreement and the other Program Agreements. Any Repledge Transaction shall be effected by notice to the Administrative Agent, and shall be reflected on the books and records of the Administrative Agent.  No such Repledge Transaction shall relieve such Buyer of its obligations to transfer Purchased Assets and Repurchase Assets to Seller (and not substitutions thereof) pursuant to the terms hereof.  In furtherance, and not by limitation of, the foregoing, it is acknowledged that each counterparty under a Repledge Transaction (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledgee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), is a repledgee as contemplated by Sections 9-207 and 9-623 of the UCC (and the relevant Official Comments thereunder) and such Repledgee may recognize the Transactions as a securitization.  Administrative Agent and Buyers are each hereby authorized to share this Agreement, the Program Agreements and any information delivered hereunder with the Repledgee or any potential Repledgee.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i857ccae1d8304665a7d790fb2c5c7803"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">19.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Single Agreement</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent, Buyers and Seller acknowledge they have and 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 have been made in consideration of each other.  Accordingly, each of Administrative Agent, Buyers and Seller agrees (i) to perform all of its obligations in respect of each Transaction hereunder, and that a default in the performance of any such obligations shall constitute a default by it in respect of all Transactions hereunder and (ii) 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. Notwithstanding anything in this Agreement to the contrary, in the event that (a) a Buyer is not an Affiliate of Administrative Agent or another Buyer (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), (b) an Event of Default shall have occurred and is continuing and (c) Administrative Agent provides written notice to the Seller to sever each Non-Affiliate Buyer&#8217;s Transactions (the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 72 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and treat such Non-Affiliate Transactions as separate Transactions under this Agreement (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Severance Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), then Administrative Agent, Buyers and Seller acknowledge that each such Non-Affiliate Transaction shall be deemed a separate Transaction under a separate and distinct agreement with the same terms and conditions as set forth herein (each a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate MRA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), and each such Non-Affiliate Buyer shall be deemed to be the administrative agent with respect to its respective Non-Affiliate Transactions under its respective Non-Affiliate MRA&#59; provided, that Transactions owned by Administrative Agent, a Buyer or any respective Affiliate shall continue to be deemed a single Transaction with Administrative Agent serving as the administrative agent for Buyers or any respective Affiliate, in each case, pursuant to the terms and conditions of this Agreement.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="icac8875414bd42958cb6fce8249848d2"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">20.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Notices and Other Communications</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any and all notices (with the exception of Transaction Requests, which shall be delivered via electronic mail or other electronic medium agreed to by the Administrative Agent and the Seller), statements, demands or other communications hereunder may be given by a party to the other by mail, email, facsimile, messenger or otherwise to the address specified below, or so sent to such party at any other place specified in a notice of change of address hereafter received by the other.  All notices, demands and requests hereunder may be made orally, to be confirmed promptly in writing, or by other communication as specified in the preceding sentence.  In all cases, to the extent that the related individual set forth in the respective &#8220;Attention&#8221; 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.</font></div><div style="padding-left:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">If to Seller&#58; </font></div><div><font><br></font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">loanDepot.com, LLC</font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">6561 Irvine Center Drive</font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Irvine, California 92618 </font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="padding-left:90pt;text-indent:36pt"><font><br></font></div><div style="padding-left:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">If to Administrative Agent&#58;</font></div><div><font><br></font></div><div style="margin-bottom:12pt;padding-left:108pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">For Transaction Requests</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Atlas Securitized Products, L.P.</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">230 Park Avenue, Suite 800</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">New York, NY 10169</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Attention&#58;&#160; Transaction Request&#8212;RMBS Warehouse Lending<br>E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div><font><br></font></div><div style="margin-bottom:12pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">For the Officer&#8217;s Compliance Certificate and related financial statements delivered pursuant to Section 17.b</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 73 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Subject&#58; Mortgage Finance Officer Cert &#47; Covenant Report&#58; &#91;LoanDepot.com, LLC&#93; &#91;Seller to Designate Monthly&#47;Quarterly or Annual Reporting Period&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline"> </font></div><div style="padding-left:108pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">For all other Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;<br><br>Atlas Securitized Products, L.P.</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">230 Park Avenue, Suite 800</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">New York, NY 10169</font></div><div style="margin-bottom:12pt;padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">With a copy to&#58;</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Atlas Securitized Products, L.P.</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">230 Park Avenue, Suite 800</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">New York, NY 10169</font></div><div style="margin-bottom:12pt;padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ic049d8a4f46e40008bc8f1e29bcf9a9d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">21.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Entire Agreement&#59; Severability</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Agreement and the Administration Agreement shall supersede any existing agreements between the parties containing general terms and conditions for repurchase transactions.  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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ib5ec3c1a022b4c0dac3ad7348ed02440"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">22.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Non assignability</font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;a.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Program Agreements are not assignable by Seller.  Subject to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 35</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Acknowledgement of Assignment and Administration of Repurchase Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">), Administrative Agent and Buyers may from time to time join other Buyers hereto and&#47;or assign all or a portion of their rights and obligations under this Agreement and the Program Agreements pursuant to the Administration Agreement with Seller&#8217;s prior written consent (such consent not to be unreasonably withheld or delayed)&#59; provided, however, such consent shall not be required if Administrative Agent or a Buyer assigns its rights and obligations (i) to an Affiliate thereof, or (ii) after the occurrence of an Event of Default. Administrative Agent shall maintain, solely for this purpose as a non-fiduciary agent of Seller, for review by Seller upon written request, a register of assignees and participants (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Register</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and a copy of an executed assignment and acceptance by Administrative Agent and assignee (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment and Acceptance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), specifying the percentage or portion of such rights and obligations assigned.  The entries in the Register shall be conclusive absent manifest error, and the Seller, Administrative Agent and Buyers shall treat each Person whose name is recorded in the Register pursuant to the preceding sentence as a Buyer hereunder. Upon such assignment (in accordance with the foregoing provisions of this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) and recordation in the Register, (a)&#160;such assignee shall be a party hereto and to each Program Agreement to the extent of the percentage or portion set </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 74 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">forth in the Assignment and Acceptance, and shall succeed to the applicable rights and obligations of Administrative Agent and Buyers hereunder, as applicable, and (b)&#160;Administrative Agent and Buyer, as applicable, shall be released from its obligations hereunder and under the Program Agreements.  Any assignment hereunder shall be deemed a joinder of such assignee as a Buyer hereto.  Unless otherwise stated in the Assignment and Acceptance, Seller shall continue to take directions solely from Administrative Agent unless otherwise notified by Administrative Agent in writing.  Such assignee may recognize the Transactions as a securitization.  Administrative Agent and Buyers may distribute to any prospective or actual assignee this Agreement, the other Program Agreements, any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller. Administrative Agent and Buyers may distribute to any prospective or actual assignee this Agreement, the other Program Agreements, any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> that any such prospective and actual assignee has agreed to abide by confidentiality obligations substantially similar to those that are applicable to Administrative Agent and&#47;or Buyers.</font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> &#160;&#160;&#160;&#160;b. &#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Participations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Any Buyer may sell participations to one (1) or more Persons in or to all or a portion of its rights and obligations under this Agreement and under the Program Agreements&#59; provided, however, that (i)&#160;such Buyer&#8217;s obligations under this Agreement or in any Transaction under this Agreement and the other Program Agreements shall remain unchanged, (ii)&#160;such Buyer shall remain solely responsible to the other parties hereto for the performance of such obligations&#59; and (iii)&#160;Seller shall continue to deal solely and directly with Administrative Agent and&#47;or Buyers in connection with such Buyer&#8217;s rights and obligations under this Agreement and the other Program Agreements except as provided in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.  Such Participant may recognize the Transactions as a securitization. Administrative Agent and Buyers may distribute to any prospective or actual participant this Agreement, the other Program Agreements any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller.  Administrative Agent and Buyers may distribute to any prospective or actual participant this Agreement, the other Program Agreements any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> that any such prospective and actual participant has agreed to abide by confidentiality obligations substantially similar to those that are applicable to Administrative Agent and&#47;or Buyers.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i3a0214983e3c4c939d1fb114119b3e7b"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">23.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Set-off</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">In addition to any rights and remedies of the Administrative Agent and Buyers hereunder and by law, the Administrative Agent and Buyers shall have the right at any time an Event of Default has occurred and is continuing, without prior notice to the Seller, any such notice being expressly waived by the Seller to the extent permitted by applicable law, to set-off and appropriate and apply against any Obligation from Seller to a Buyer or any of its Affiliates 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, 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 a Buyer or any Affiliate thereof to or for the credit or the account of the Seller.  All such set-offs shall be subject to the priorities set forth </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 75 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">in the Administration Agreement.  The Administrative Agent and the Buyers each agree promptly to notify the Seller after any such set off and application is made by the Administrative Agent or a Buyer&#59; provided, that, the failure to give such notice shall not affect the validity of such set off and application.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ib1e8011e5d934a0d9176c55e5d663784"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">24.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Binding Effect&#59; Governing Law&#59; Jurisdiction</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">This Agreement shall be binding and inure to the benefit of the parties hereto and their respective successors and permitted assigns.  THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, AND GOVERNED BY, THE LAW OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS PRINCIPLES THEREOF.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">EACH OF SELLER, ADMINISTRATIVE AGENT AND BUYERS HEREBY WAIVES TRIAL BY JURY.  SELLER HEREBY IRREVOCABLY CONSENTS TO THE EXCLUSIVE JURISDICTION OF ANY COURT OF THE STATE OF NEW YORK, OR IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK, ARISING OUT OF OR RELATING TO THE PROGRAM AGREEMENTS IN ANY ACTION OR PROCEEDING.  EACH PARTY HEREBY SUBMITS TO, AND WAIVES ANY OBJECTION IT MAY HAVE TO, EXCLUSIVE PERSONAL JURISDICTION AND VENUE IN THE COURTS OF THE STATE OF NEW YORK AND THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK, WITH RESPECT TO ANY DISPUTES ARISING OUT OF OR RELATING TO THE PROGRAM AGREEMENTS.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ia69993c474e546439606ad0872c71ba6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">25.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">No Waivers, Etc.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">No express or implied waiver of any Event of Default by either party shall constitute a waiver of any other Event of Default and no exercise of any remedy hereunder by any party shall constitute a waiver of its right to exercise any other remedy hereunder.  No modification or waiver of any provision of this Agreement and no consent by any party to a departure herefrom shall be effective unless and until such shall be in writing and duly executed by both of the parties hereto.  Without limitation on any of the foregoing, the failure to give a notice pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">16(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or otherwise, will not constitute a waiver of any right to do so at a later date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i1ed0615b53204bcaabe20f89a55138fe"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">26.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Intent </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i3ab1be6c32e144f9ad4dc2cc8db674c0"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">The parties recognize that each Transaction is a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">repurchase agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as that term is defined in Section&#160;101 of Title&#160;11 of the United States Code, as amended, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">securities contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as that term is defined in Section&#160;741 of Title&#160;11 of the United States Code, as amended, and a &#8220;master netting agreement&#8221; as that term is defined in Section 101(38A)(A) of the Bankruptcy Code, that all payments </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 76 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">hereunder are deemed &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">margin payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">settlement payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as defined in Title&#160;11 of the United States Code, and that the pledge of the Repurchase Assets constitutes &#8220;a security agreement or other arrangement or other credit enhancement&#8221; that is &#8220;related to&#8221; the Agreement and Transactions hereunder within the meaning of Sections 101(38A)(A), 101(47)(A)(v) and 741(7)(A)(xi) of the Bankruptcy Code.  Seller, Administrative Agent and Buyers further recognize and intend that this Agreement is an agreement to provide financial accommodations and is not subject to assumption pursuant to Bankruptcy Code Section 365(a).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ie4381e2cb2ec46a9a7c0759af6ddfbb7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent&#8217;s or a Buyer&#8217;s right to liquidate the Purchased Assets delivered to it in connection with the Transactions hereunder or to accelerate or terminate this Agreement or otherwise exercise any other remedies pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof is a contractual right to liquidate, accelerate or terminate such Transaction as described in Bankruptcy Code Sections 555, 559 and 561&#59; any payments or transfers of property made with respect to this Agreement or any Transaction to satisfy a Margin Deficit shall be considered a &#8220;margin payment&#8221; as such term is defined in Bankruptcy Code Section 741(5).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i0887f32b65e34988a3f1ba3e2006541c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">The parties agree and acknowledge that if a party hereto is an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">insured depository institution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">,&#8221; as such term is defined in the Federal Deposit Insurance Act, as amended (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), then each Transaction hereunder is a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">qualified financial contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">,&#8221; as that term is defined in FDIA and any rules, orders or policy statements thereunder (except insofar as the type of assets subject to such Transaction would render such definition inapplicable).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i0340d71d19da410ea27f00ea8df95346"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">It is understood that this Agreement constitutes a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">netting contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as defined in and subject to Title&#160;IV of the Federal Deposit Insurance Corporation Improvement Act of 1991 (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDICIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and each payment entitlement and payment obligation under any Transaction hereunder shall constitute a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">covered contractual payment entitlement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">covered contractual payment obligation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;, respectively, as defined in and subject to FDICIA (except insofar as one or both of the parties is not a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">financial institution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as that term is defined in FDICIA).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i4561a44153754d9eaed0d45d1d4c4752"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">This Agreement is intended to be a &#8220;repurchase agreement&#8221; and a &#8220;securities contract,&#8221; within the meaning of Section 101(47), Section&#160;555, Section&#160;559 and Section 741 under the Bankruptcy Code.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i2f8f6c3aace4414fb816d596828b3567"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.01pt">Each party agrees that this Agreement is intended to create mutuality of obligations among the parties, and as such, the Agreement constitutes a contract which (i)&#160;is between all of the parties and (ii)&#160;places each party in the same right and capacity.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i34802ca96edd4ec5a5b1fb426789d29d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">27.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Disclosure Relating to Certain Federal Protections</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The parties acknowledge that they have been advised that&#58;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 77 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">in the case of Transactions in which one of the parties is a broker or dealer registered with the SEC under Section&#160;15 of the 1934 Act, the Securities Investor Protection Corporation has taken the position that the provisions of the SIPA do not protect the other party with respect to any Transaction hereunder&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">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&#160;15C of the 1934 Act, SIPA will not provide protection to the other party with respect to any Transaction hereunder&#59; and</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ie306a1adcc924d9fa0f0567b6bdbe9a3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">28.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Power of Attorney</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Seller authorizes Administrative Agent to file such financing statement or statements relating to the Repurchase Assets as Administrative Agent, at its option, may deem appropriate.  Seller appoints Administrative Agent as Seller&#8217;s agent and attorney-in-fact to execute any such financing statement or statements in Seller&#8217;s name and to perform all other acts which Administrative Agent deems appropriate to perfect and continue its ownership interest in and&#47;or the security interest granted hereby, if applicable, and to protect, preserve and realize upon the Repurchase Assets, including, but not limited to, the right to endorse notes, complete blanks in documents, transfer servicing, and sign assignments on behalf of Seller as its agent and attorney-in-fact.  This agency and power of attorney is coupled with an interest and is irrevocable without Administrative Agent&#8217;s consent.  Notwithstanding the foregoing, the power of attorney hereby granted may be exercised only during the occurrence and continuance of any Event of Default hereunder. Seller shall pay the filing costs for any financing statement or statements prepared pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 28</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  In addition the foregoing, Seller agrees to execute a Power of Attorney, in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, to be delivered on the date hereof and the Administrative Agent and the Buyers hereby confirm and agree that such Power of Attorney may be exercised only during the occurrence and continuance of an Event of Default hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i4a870f8217754bf0b4e8b6c97f5fee8d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">29.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Buyers May Act Through Administrative Agent</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Each Buyer has designated the Administrative Agent under the Administration Agreement for the purpose of performing any action hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i6dbb1b932c4c49be964ad6c6ffaa6a75"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">30.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Indemnification&#59; Obligations</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Seller agrees to hold Administrative Agent, Buyers and each of their respective Affiliates and their officers, directors, employees, agents and advisors (each, an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnified Party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) harmless from and indemnify each </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 78 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Indemnified Party (and will reimburse each Indemnified Party as the same is incurred) against all liabilities, losses, damages, judgments, costs and expenses (including, without limitation, reasonable fees and expenses of counsel) of any kind which may be imposed on, incurred by, or asserted against any Indemnified Party relating to or arising out of this Agreement, any Transaction Request, any Program Agreement or any transaction contemplated hereby or thereby (including, without limitation, (i) any such liabilities, losses, damages, judgments, costs and expenses directly arising from any acts or omissions of such party and (ii) any wire fraud or data or systems intrusions which causes Administrative Agent or Buyers to suffer any such direct liability, loss, damage, judgment, cost and&#47;or expense), resulting from anything other than the Indemnified Party&#8217;s gross negligence or willful misconduct.  Seller also agrees to reimburse each Indemnified Party for all reasonable expenses in connection with the enforcement of this Agreement and the exercise of any right or remedy provided for herein, any Transaction Request and any Program Agreement, including, without limitation, the reasonable fees and disbursements of counsel.  Seller&#8217;s agreements in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 30</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall survive the payment in full of the Repurchase Price and the expiration or termination of this Agreement.  Seller hereby acknowledges that its obligations hereunder are recourse obligations of Seller and are not limited to recoveries each Indemnified Party may have with respect to the Purchased Assets.  Seller also agrees not to assert any claim against Administrative Agent, each Buyer or any of its Affiliates, or any of their respective officers, directors, employees, attorneys and agents, on any theory of liability, for special, indirect, consequential or punitive damages arising out of or otherwise relating to the facility established hereunder, the actual or proposed use of the proceeds of the Transactions, this Agreement or any of the transactions contemplated thereby.  THE FOREGOING INDEMNITY AND AGREEMENT NOT TO ASSERT CLAIMS EXPRESSLY APPLIES, WITHOUT LIMITATION, TO THE NEGLIGENCE (BUT NOT GROSS NEGLIGENCE OR WILLFUL MISCONDUCT) OF THE INDEMNIFIED PARTIES.  </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Without limiting the provisions of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 30(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, if Seller fails to pay when due any costs, expenses or other amounts payable by it under this Agreement, including, without limitation, fees and expenses of counsel and indemnities, such amount may be paid on behalf of Seller by Administrative Agent (subject to reimbursement by Seller), in its sole discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i2f1c0bfabc7e4f989f7a0c3f3ddf5412"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">31.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Counterparts</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original, and all such counterparts shall together constitute one and the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 79 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">same instrument.  Delivery of an executed counterpart of a signature page of this Agreement in a Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Agreement.  The parties agree that this Agreement, any addendum or amendment hereto or any other document necessary for the consummation of the transactions contemplated by this Agreement may be accepted, executed or agreed to through the use of an electronic signature in accordance with the E-SIGN, UETA and any applicable state law.&#160; Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any secure third party electronic signature capture service with appropriate document access tracking, electronic signature tracking and document retention as may be approved by the Administrative Agent in its sole discretion. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ie6c5a0a3c53e437bbfc5fcea5656bc5c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">32.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Confidentiality </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i8813957602ed4557a84c8d8725877bc7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">This Agreement and its terms, provisions, supplements and amendments, and notices hereunder, including without limitation information contained in the monthly Officer&#8217;s Compliance Certificate, as well as any information conveyed to Administrative Agent and Buyers during the course of any due diligence review, shall be kept confidential and shall not be divulged to any third party without the written consent of such party except for (i) disclosure to potential and actual assignees, Repledgees and Participants (pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof), (ii) disclosure to a party&#8217;s direct and indirect Affiliates and Subsidiaries, attorneys or accountants, but only to the extent such disclosure is necessary and such parties agree to hold all information in strict confidence, (iii) disclosure required by law, rule, regulation or order of a court or other regulatory body, (iv) any of such information is in the public domain other than due to a breach of this covenant, or (v) disclosure to any approved hedge counterparty to the extent necessary to obtain any Interest Rate Protection Agreement.  Notwithstanding the foregoing or anything to the contrary contained herein or in any other Program Agreement, 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&#59; provided that, except as set forth in the first sentence of this clause (a), Seller may not disclose the name of or identifying information with respect to Administrative Agent and Buyers or any pricing terms (including, without limitation, the Purchase Price, Pricing Rate, Purchase Price Percentage, Asset Value, Maximum Value Amount and any other fees specified in the Pricing Side Letter) 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 the Administrative Agent.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 80 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i9dc1b26dbf1d4e319ae69225ec037dac"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Notwithstanding anything in this Agreement to the contrary, the Seller shall comply 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 Purchased Assets and&#47;or any applicable terms of this Agreement (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Confidential Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).  Seller understands that the Confidential Information may contain &#8220;nonpublic personal information&#8221;, as that term is defined in Section&#160;509(4) of the Gramm-Leach-Bliley Act (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), and Seller agrees to maintain such nonpublic personal information that it receives hereunder in accordance with the Act and other applicable federal and state privacy laws.  The Seller shall implement such physical and other security measures as shall be necessary to (a)&#160;ensure the security and confidentiality of the &#8220;nonpublic personal information&#8221; of the &#8220;customers&#8221; and &#8220;consumers&#8221; (as those terms are defined in the Act) of Administrative Agent and Buyers or any Affiliate of Administrative Agent or Buyers which Seller holds, (b)&#160;protect against any threats or hazards to the security and integrity of such nonpublic personal information, and (c)&#160;protect against any unauthorized access to or use of such nonpublic personal information. Seller represents and warrants that it has implemented appropriate measures to meet the objectives of Section&#160;501(b) of the Act and of the applicable standards adopted pursuant thereto, as now or hereafter in effect.  Upon request, Seller will provide evidence reasonably satisfactory to allow Administrative Agent and&#47;or Buyers to confirm that the providing party has satisfied its obligations as required under this Section.  Without limitation, this may include Administrative Agent&#8217;s or Buyers&#8217; review of audits, summaries of test results, and other equivalent evaluations of the Seller.  Seller shall notify Administrative Agent immediately following discovery of any breach or compromise of the security, confidentiality, or integrity of nonpublic personal information of the customers and consumers of Administrative Agent, Buyers or any Affiliate of Buyers provided directly to the Seller by Administrative Agent, Buyers or such Affiliate.  Seller shall provide such notice to Administrative Agent by personal delivery, by facsimile with confirmation of receipt, or by overnight courier with confirmation of receipt to the applicable requesting individual.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ib71c72c37a3e4874a7b3b21b376a2353"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">33.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Recording of Communications</font></div><div style="margin-bottom:6pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent, Buyers and Seller shall have the right (but not the obligation) from time to time to make or cause to be made tape recordings of communications between its employees and those of the other party with respect to Transactions.  Administrative Agent, Buyers and Seller consent to the admissibility of such tape recordings in any court, arbitration, or other proceedings.  The parties agree that a duly authenticated transcript of such a tape recording shall be deemed to be a writing conclusively evidencing the parties&#8217; agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="if0358492cf9744609b3ad2b77bd395dd"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">34.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">  &#160;&#160;&#160;&#160;Conflicts</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify"><font id="i6fa9fc723e1a48ea87e41f2eb32099a4"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;In the event of any conflict between the terms of this Agreement and any other Program Agreement, the documents shall control in the following order of priority&#58;  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">first</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 81 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">terms of the Pricing Side Letter shall prevail, then the terms of the Administration Agreement, then the terms of this Agreement shall prevail, and then the terms of the other Program Agreements shall prevail. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 82 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="idc420f65e2f0442b8a70647659157413"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">35.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Acknowledgment of Assignment and Administration of Repurchase Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:12pt;padding-left:54pt;text-align:justify"><font id="i23dc6697a59e4c938c809595e1a414ea"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-assignability</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) of this Agreement, Administrative Agent may sell, transfer and convey or allocate certain Purchased Assets and the related Repurchase Assets and related Transactions to certain affiliates of Administrative Agent and&#47;or one (1) or more CP Conduits (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) with the prior written consent of Seller&#59; provided that such consent shall not be required to the extent Administrative Agent or Buyers sells, transfers or conveys to (i) to an Affiliate thereof or (ii) during an Event of Default. Administrative Agent shall notify the Seller promptly after each sale, transfer, conveyance or allocation, provided that the failure to give such notice shall not affect the validity of such sale, transfer, conveyance or allocation. Seller hereby acknowledges and agrees to the joinder of such Additional Buyers and the assignments and the terms and provisions set forth in the Administration Agreement&#59; provided that any Confidential Information provided to an Additional Buyer shall be provided subject to a commercially reasonable non-disclosure agreement.  The Administrative Agent shall administer the provisions of this Agreement, subject to the terms of the Administration Agreement for the benefit of the Buyers and any Repledgees, as applicable.  For the avoidance of doubt, all payments, notices, communications and agreements pursuant to this Agreement shall be delivered to, and entered into by, the Administrative Agent for the benefit of the Buyers and&#47;or the Repledgees, as applicable.  Furthermore, to the extent that the Administrative Agent exercises remedies pursuant to this Agreement, any of the Administrative Agent and&#47;or any Buyer will have the right to bid on and&#47;or purchase any of the Repurchase Assets pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remedies Upon Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">).  The benefit of all representations, rights, remedies and covenants set forth in this Agreement shall inure to the benefit of the Administrative Agent on behalf of each Buyer and Repledgees, as applicable.  All provisions of this Agreement shall survive the transfers contemplated herein (including any Repledge Transactions) and in the Administration Agreement, except to the extent such provisions are modified by the Administration Agreement.  In the event of a conflict between the Administration Agreement and this Agreement, the terms of the Administration Agreement shall control.  Notwithstanding that multiple Buyers may purchase individual Purchased Mortgage Loans subject to Transactions entered into under this Agreement, all Transactions shall continue to be deemed a single Transaction and all of the Repurchase Assets shall be security for all of the Obligations hereunder, subject to the priority of payments provisions set forth in the Administration Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i9a20ac86f2c6456ba8e5980d1adb8c69"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">36.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Periodic Due Diligence Review</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Seller acknowledges that Administrative Agent and Buyers have the right to perform continuing due diligence reviews with respect to Seller, the Purchased Assets, for purposes of verifying compliance with the representations, warranties and specifications made hereunder, for the purpose of performing quality control review of the Purchased Assets or </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 83 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">otherwise, and Seller agrees that upon reasonable (but no less than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) prior notice unless an Event of Default shall have occurred and be continuing, in which case no notice is required, to Seller, Administrative Agent, Buyers or their authorized representatives will be permitted during normal business hours to examine, inspect, and make copies and extracts of, the Asset Files and any and all documents, data, records, agreements, instruments or information relating to such Purchased Assets (including, without limitation, quality control review) in the possession or under the control of Seller and&#47;or the Custodian. Seller also shall make available to Administrative Agent and Buyers a knowledgeable financial or accounting officer for the purpose of answering questions respecting the Asset Files and the Purchased Assets.  Without limiting the generality of the foregoing, Seller acknowledges that Administrative Agent and Buyers may purchase Purchased Assets from Seller based solely upon the information provided by Seller to Administrative Agent and Buyers in the Asset Schedule and the representations, warranties and covenants contained herein, and that Administrative Agent or Buyers, at their option, have the right at any time to conduct a partial or complete due diligence review on some or all of the Purchased Assets purchased in a Transaction, including, without limitation, ordering an Acceptable Valuation, new credit reports and new appraisals on the related Mortgaged Properties and otherwise re-generating the information used to originate such Mortgage Loans.  Administrative Agent or Buyers may underwrite such Purchased Assets itself or engage a mutually agreed upon third party underwriter to perform such underwriting.  Seller agrees to cooperate with Administrative Agent, Buyers and any third party underwriter in connection with such underwriting, including, but not limited to, providing Administrative Agent, Buyers and any third party underwriter with access to any and all documents, records, agreements, instruments or information relating to such Purchased Assets in the possession, or under the control, of Seller.  Seller further agrees that Seller shall pay all out-of-pocket costs and expenses incurred by Administrative Agent and Buyers in connection with Administrative Agent&#8217;s and Buyers&#8217; activities pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 36</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i392aa23a4bbf448db18e307e45ff8d73"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">37.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:21pt">A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">uthorizations</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any of the persons whose signatures and titles appear on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> are authorized, acting singly, to act for Seller or Administrative Agent to the extent set forth therein, as the case may be, under this Agreement.  The Seller may amend </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> from time to time by delivering a revised </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to Administrative Agent and expressly stating that such revised </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall replace the existing </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ic2063332077e43aeaa0a8ab62237834f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">38.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Administration of Repurchase Agreement</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">To the extent that the Administrative Agent exercises remedies pursuant to this Agreement, any of the Administrative Agent and&#47;or any Buyer will have the right to bid on and&#47;or purchase any of the Repurchase Assets pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remedies Upon Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">).  The benefit of all representations, rights, remedies and covenants set forth in the Agreement shall inure to the benefit of the Administrative Agent on behalf of each Buyer and&#47;or the Repledgees.  All provisions of the Agreement shall survive the transfers contemplated herein (including any Repledge Transactions) and in the Administration Agreement, except to the extent such provisions are modified by the Administration Agreement. In the event of a conflict between the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 84 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administration Agreement and this Agreement, the terms of the Administration Agreement shall control. Notwithstanding that multiple Buyers may purchase individual Mortgage Loans subject to Transactions entered into under this Agreement, all Transactions shall continue to be deemed a single Transaction and all of the Repurchase Assets shall be security for all of the Obligations hereunder, subject to the priority of payments provisions set forth in the Administration Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i31c5667c892346f9b4c357b5d1578cae"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">39.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Acknowledgement of Anti-Predatory Lending Policies</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent has in place internal policies and procedures that expressly prohibit its purchase of any High Cost Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i0fbdf4c65c334e728ac4a99e0325dd20"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">40.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Documents Mutually Drafted</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The Seller, Administrative Agent and the Buyers agree that this Agreement and each other Program Agreement 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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ieaa9ab5585bb46938635b52382db095d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">41.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">General Interpretive Principles</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">For purposes of this Agreement, except as otherwise expressly provided or unless the context otherwise requires&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">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&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">accounting terms not otherwise defined herein have the meanings assigned to them in accordance with GAAP&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">references herein to &#8220;Articles&#8221;, &#8220;Sections&#8221;, &#8220;Subsections&#8221;, &#8220;Paragraphs&#8221;, and other subdivisions without reference to a document are to designated Articles, Sections, Subsections, Paragraphs and other subdivisions of this Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">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&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">the words &#8220;herein&#8221;, &#8220;hereof&#8221;, &#8220;hereunder&#8221; and other words of similar import refer to this Agreement as a whole and not to any particular provision&#59; </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt">the term &#8220;include&#8221; or &#8220;including&#8221; shall mean without limitation by reason of enumeration&#59; </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 85 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">all times specified herein or in any other Program Agreement (unless expressly specified otherwise) are local times in New York, New York unless otherwise stated&#59; </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">all references herein or in any Program Agreement to &#34;good faith&#34; means good faith as defined in Section 1-201 of the UCC as in effect in the State of New York&#59; and an Event of Default that has been waived in writing shall be deemed not to be continuing.</font></div><div style="text-align:justify;text-indent:36pt"><font id="i557db94e2ec54bdebd452f11fe43728e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">42.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Bankruptcy Non-Petition</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="i3dfbccef843244de854fe234147ad23f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The parties hereby agree that they shall not institute against, or join any other person in instituting against, any Buyer that is a CP Conduit any bankruptcy, reorganization, arrangement, insolvency or liquidation proceeding, or other proceeding under any federal or state bankruptcy or similar law, for one (1) year and one (1) day after the latest maturing commercial paper note issued by the applicable CP Conduit is paid in full. Nothing in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 42</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall preclude any party (i) from filing any claim prior to the expiration of the aforementioned one year and one day period in (A) any insolvency proceeding voluntarily filed or commenced by such CP Conduit or (B) any involuntary insolvency proceeding filed or commenced by a Person other than such party, or (ii) from commencing against such CP Conduit any legal action which is not an insolvency proceeding. </font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i560d7457f9504c3ca1d57b61e9c107d9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">43.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Limited Recourse</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The obligations of each Buyer under this Agreement or any other Program Agreement are solely the corporate obligations of such Buyer.  No recourse shall be had for the payment of any amount owing by any Buyer under this Agreement, or for the payment by any Buyer of any fee in respect hereof or any other obligation or claim of or against such Buyer arising out of or based on this Agreement, against any stockholder, partner, member, employee, officer, director or incorporator or other authorized person of such Buyer. In addition, notwithstanding any other provision of this Agreement, the parties agree that all payment obligations of any Buyer that is a CP Conduit under this Agreement shall be limited recourse obligations of such Buyer, payable solely from the funds of such Buyer available for such purpose in accordance with its commercial paper program documents.  Each party waives payment of any amount which such Buyer does not pay pursuant to the operation of the preceding sentence until the day which is at least one (1) year and one (1) day after the payment in full of the latest maturing commercial paper note (and waives any &#8220;claim&#8221; against such Buyer within the meaning of Section 101(5) of the Bankruptcy Code or any other Debtor Relief Law for any such insufficiency until such date). </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 86 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="ieb126eda984a4edeb2114e49b63e9e21"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">44.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt"> Pool Subdivisions</font></div><div style="margin-top:12pt;text-align:justify;text-indent:72pt"><font id="i600343219d14482b8da0034e3f4db4b1"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The Administrative Agent may from time to time deliver to Seller a Pool Subdivision Notice which notice shall identify a Pool of Purchased Mortgage Loans that shall be treated separately from the remaining Purchased Mortgage Loans (which remaining Purchased Mortgage Loans shall constitute another Pool).  The Administrative Agent may modify any such Pool Subdivision Notice from time to time to readjust the composition of the Pools identified therein.  Following delivery of a Pool Subdivision Notice, the calculations with respect to Price Differential (and all of the component calculations used in determining such calculation) shall be calculated separately on the basis of the Purchased Mortgage Loans comprising each Pool, which shall result in a separate Price Differential for each Pool.  For the avoidance of doubt, a Pool Subdivision Notice shall not (a) modify or otherwise affect the rights and obligations of the parties under the Program Agreements except as expressly contemplated in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 44</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and (b) shall not be construed as a Severance Notice as contemplated by </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="i18bb40f00ac54aee864165aac6d75ed4"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">45.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Nominee</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i00dbff4f3fd34f73b1217b29ce5a173d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Seller, Administrative Agent and the Buyers hereby acknowledge and agree, and Seller hereby appoints, the Nominee as (i) their nominee as mortgagee of record and payee on the FHA Connection System with respect to each Early Buyout Loan, and the Nominee hereby accepts such appointment, and (ii) as nominee and agent of Seller, Administrative Agent and the Buyers as set forth herein, to the extent applicable.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i499acf0ba49c46b6b5ba86619757da00"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Following receipt by Nominee of written notice of the occurrence of an Event of Default, the Nominee agrees to take direction from the Administrative Agent with respect to the FHA Loans, Early Buyout Loans and any related Purchased Mortgage Loans.  </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i776ea15fcb56447f9dcb117d22a653bc"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">It is the intent of the Seller, Servicer, Administrative Agent and the Buyers that the Nominee retains bare legal title to the Early Buyout Loans and the related Purchased Mortgage Loans for all purposes including, without limitation, for purposes of Section 541(d) of the Bankruptcy Code and accordingly, Nominee, in their capacity as a nominee, shall have no property right to such Purchased Mortgage Loans.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i8b8aa4a65945472cb462c022a0b6b7d1"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent may, upon notice to the Seller, terminate the Nominee and appoint itself or another person as the successor nominee following an Event of Default that is continuing.</font></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#91;Signature Page Follows&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 87 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_10"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">IN WITNESS WHEREOF, the undersigned have caused this Agreement to be duly executed as of the date first above written.</font></div><div><font><br></font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ATLAS SECURITIZED PRODUCTS, L.P.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, as Administrative Agent and a Buyer</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">By&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Atlas Securitized Products GP, LLC, its general partner</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#47;s&#47; Dominic Obaditch</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58; Dominic Obaditch<br>Title&#58; Managing Director</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ATLAS SECURITIZED PRODUCTS FUNDING 2, L.P</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">., as a Buyer</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By&#58; AASP Management, LP, its investment manager</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#58;&#47;s&#47; William B. Kuesel</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58; William B. Kuesel<br>Title&#58; Vice President and AGM General Counsel, Americas</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to the Master Repurchase Agreement (Atlas-Funding 2&#47;LoanDepot)</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">LOANDEPOT.COM, LLC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, as Seller</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#58;&#47;s&#47;David Hayes</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">       Name&#58; David Hayes</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">       Title&#58; Chief Financial Officer</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to the Master Repurchase Agreement (Atlas-Funding 2&#47;LoanDepot)</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_13"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">SCHEDULE 1-A</font></div><div style="margin-bottom:3pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Cambria',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Schedule 1-A-1</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_16"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:right"><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SCHEDULE 2</font></div><div style="margin-top:12pt;padding-left:9pt;padding-right:9pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-top:12pt;padding-left:9pt;padding-right:9pt;text-align:center"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Schedule 2 (Master Repurchase Agreement)(LoanDepot)</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline"> </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Schedule 2</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_19"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SCHEDULE 3</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Schedule 3</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10&#160;&#160;&#160;&#160;</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_22"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">EXHIBIT A</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Schedule 3</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10&#160;&#160;&#160;&#160;</font></div></div></div><div id="ib4979a232c774d648cb47c924e8c3cc9_25"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">EXHIBIT B</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exhibit B</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>a102whcoloandepot-mraredac.htm
<DESCRIPTION>EX-10.2
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2024 Workiva -->
<title>Document</title></head><body><div id="if5a69f847fb14f96bca1b2e86948e737_1"></div><div style="min-height:115.2pt;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain confidential information contained in this document, marked by &#8220;&#91;***&#93;&#8221;, has been omitted because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div><font><br></font></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.820%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.980%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">WHCO FACILITY</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">EXECUTION</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="padding-left:2.77pt;padding-right:2.77pt;text-align:justify"><font><br></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:8.77pt;padding-right:2.77pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT 10.2</font></div></td></tr></table></div><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">MASTER REPURCHASE AGREEMENT</font></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ATLAS SECURITIZED PRODUCTS, L.P., as administrative agent<br>(&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administrative Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and as a buyer (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;),</font></div><div style="margin-bottom:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">AGF WHCO 1-A3 LP, as a buyer (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), and other Buyers from time to time (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;),</font></div><div style="margin-bottom:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and</font></div><div style="margin-bottom:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LOANDEPOT.COM, LLC, as seller (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;)</font></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Dated November 14, 2024</font></div><div style="margin-bottom:24pt;margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_4"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:18pt;padding-right:18pt;text-align:center;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">TABLE OF CONTENTS</font></div><div style="margin-top:12pt;padding-left:36pt;text-align:right;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Page</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i76294d765aef475bb2892712560d66d0" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1.&#160;&#160;&#160;&#160;Applicability</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i76294d765aef475bb2892712560d66d0" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i166591cd6f5c48ca878da0b61c65dcd2" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">2.&#160;&#160;&#160;&#160;Definitions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i166591cd6f5c48ca878da0b61c65dcd2" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8b50eee3bf5c47cab2bd3adeb18c74d5" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">3.&#160;&#160;&#160;&#160;Program&#59; Initiation of Transactions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8b50eee3bf5c47cab2bd3adeb18c74d5" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">30</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i726c5fc16ce747aeae917f9233c82079" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">4.&#160;&#160;&#160;&#160;Repurchase</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i726c5fc16ce747aeae917f9233c82079" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">32</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#icb20b7dc2cc4488b8de152fe20a12679" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">5.&#160;&#160;&#160;&#160;Price Differential.</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#icb20b7dc2cc4488b8de152fe20a12679" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">33</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i47516dbe7e364a7cb4f699e80901f9e6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">6.&#160;&#160;&#160;&#160;Margin Maintenance&#59; Reallocation of Purchase Price</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i47516dbe7e364a7cb4f699e80901f9e6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">34</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i46e61cac5a4b4adcba84627488731689" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">7.&#160;&#160;&#160;&#160;Income Payments </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i46e61cac5a4b4adcba84627488731689" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">35</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i5f41f31c5223483caf3a74f211a533a8" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">8.&#160;&#160;&#160;&#160;Security Interest</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i5f41f31c5223483caf3a74f211a533a8" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">37</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0600b59471114c6697fc5a238e074d13" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">9.&#160;&#160;&#160;&#160;Payment and Transfer</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0600b59471114c6697fc5a238e074d13" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">39</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i5e7416bbbbd94858b2a1e4fd384d93ec" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">10.&#160;&#160;&#160;&#160;Conditions Precedent</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i5e7416bbbbd94858b2a1e4fd384d93ec" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">40</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i86f6c246c9bf428184910d7a7c57e698" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">11.&#160;&#160;&#160;&#160;Program&#59; Costs </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i86f6c246c9bf428184910d7a7c57e698" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">44</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifc452b7ed6cd465d88426e688e066a4c" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">12.&#160;&#160;&#160;&#160;Servicing</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifc452b7ed6cd465d88426e688e066a4c" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">47</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#iecbb29dfd6ff42038146d6fd9d5e9d39" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">13.&#160;&#160;&#160;&#160;Representations and Warranties</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#iecbb29dfd6ff42038146d6fd9d5e9d39" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">49</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3b12fb4c9f5845469977abbc91d88bba" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">14.&#160;&#160;&#160;&#160;Covenants </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3b12fb4c9f5845469977abbc91d88bba" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">55</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i7258277e0dac4d29a7431c14afc9e304" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">15.&#160;&#160;&#160;&#160;Events of Default</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i7258277e0dac4d29a7431c14afc9e304" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">62</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic01207a183ab4bb2b34d0889998e6b7e" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">16.&#160;&#160;&#160;&#160;Remedies Upon Default</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic01207a183ab4bb2b34d0889998e6b7e" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">64</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0ef684a754354aadbe8176828a4c9964" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">17.&#160;&#160;&#160;&#160;Reports</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0ef684a754354aadbe8176828a4c9964" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">67</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifa40148ec296479c9b7d1c5e134ade28" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">18.&#160;&#160;&#160;&#160;Repurchase Transactions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifa40148ec296479c9b7d1c5e134ade28" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">71</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ibb0dae6b4d224e62b2c37ea38db6fb4c" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">19.&#160;&#160;&#160;&#160;Single Agreement</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ibb0dae6b4d224e62b2c37ea38db6fb4c" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">71</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i821c38fd5a664a1e9d246a6cdd02c761" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">20.&#160;&#160;&#160;&#160;Notices and Other Communications</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i821c38fd5a664a1e9d246a6cdd02c761" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">72</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3f8840b4ffa54deaaa302ce45b2442da" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">21.&#160;&#160;&#160;&#160;Entire Agreement&#59; Severability</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3f8840b4ffa54deaaa302ce45b2442da" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">73</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i72c687b4a62b41adad1d8cb052d0a47f" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">22.&#160;&#160;&#160;&#160;Non assignability</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i72c687b4a62b41adad1d8cb052d0a47f" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">73</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i6d64fb609f474d81bcd5b1cfa3ea71a6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">23.&#160;&#160;&#160;&#160;Set-off</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i6d64fb609f474d81bcd5b1cfa3ea71a6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">75</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i64dbd90498ab4b41bbbf05c7116aff10" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">24.&#160;&#160;&#160;&#160;Binding Effect&#59; Governing Law&#59; Jurisdiction</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i64dbd90498ab4b41bbbf05c7116aff10" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">75</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9de963e65ebc42cab03aaa38b25ce7da" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">25.&#160;&#160;&#160;&#160;No Waivers, Etc.</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9de963e65ebc42cab03aaa38b25ce7da" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">75</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i45c0073365c245eb9417b8f997c7dd56" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">26.&#160;&#160;&#160;&#160;Intent </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i45c0073365c245eb9417b8f997c7dd56" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">76</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i20b0008a2b7d49a4a81539cfd29ba9c6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">27.&#160;&#160;&#160;&#160;Disclosure Relating to Certain Federal Protections</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i20b0008a2b7d49a4a81539cfd29ba9c6" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">77</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#iaa40676bb0664a3cae6ab30c97cd3d76" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">28.&#160;&#160;&#160;&#160;Power of Attorney</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#iaa40676bb0664a3cae6ab30c97cd3d76" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">77</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i26c9d919007b488d9d30b376a0d0a1d7" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">29.&#160;&#160;&#160;&#160;Buyers May Act Through Administrative Agent</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i26c9d919007b488d9d30b376a0d0a1d7" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">78</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3b8dde93b5ed4f5eaf58b87971026371" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">30.&#160;&#160;&#160;&#160;Indemnification&#59; Obligations</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3b8dde93b5ed4f5eaf58b87971026371" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">78</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib777428681fa48a7a084af00adb1e128" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">31.&#160;&#160;&#160;&#160;Counterparts</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib777428681fa48a7a084af00adb1e128" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">79</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i84a3772677384d459740eab2bb509da9" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">32.&#160;&#160;&#160;&#160;Confidentiality </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i84a3772677384d459740eab2bb509da9" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">79</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9cc4be4a7f5e4ec0bc3131125bc1e716" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">33.&#160;&#160;&#160;&#160;Recording of Communications</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9cc4be4a7f5e4ec0bc3131125bc1e716" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">81</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3ddfee0095af4b69a4d74da5e1112de4" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">34.&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;Conflicts</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3ddfee0095af4b69a4d74da5e1112de4" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">81</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i45ba080f26124c61b9c6f1c03c09edc3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">35.&#160;&#160;&#160;&#160;Acknowledgment of Assignment and Administration of Repurchase Agreement </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i45ba080f26124c61b9c6f1c03c09edc3" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">82</a></font></div></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- i -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4f34a11f35f64d088bd6c64471dded60" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">&#160;&#160;&#160;&#160;Pursuant to Section 22 above (Non-assignability) of this Agreement, Administrative Agent may sell, transfer and convey or allocate certain Purchased Assets and the related Repurchase Assets and related Transactions to certain affiliates of Administrative Agent and&#47;or one (1) or more CP Conduits (the &#8220;Additional Buyers&#8221;) with the prior written consent of Seller&#59; provided that such consent shall not be required to the extent Administrative Agent or Buyers sells, transfers or conveys to (i) to an Affiliate thereof or (ii) during an Event of Default. Administrative Agent shall notify the Seller promptly after each sale, transfer, conveyance or allocation, provided that the failure to give such notice shall not affect the validity of such sale, transfer, conveyance or allocation. Seller hereby acknowledges and agrees to the joinder of such Additional Buyers and the assignments and the terms and provisions set forth in the Administration Agreement&#59; provided that any Confidential Information provided to an Additional Buyer shall be provided subject to a commercially reasonable non-disclosure agreement.  The Administrative Agent shall administer the provisions of this Agreement, subject to the terms of the Administration Agreement for the benefit of the Buyers and any Repledgees, as applicable.  For the avoidance of doubt, all payments, notices, communications and agreements pursuant to this Agreement shall be delivered to, and entered into by, the Administrative Agent for the benefit of the Buyers and&#47;or the Repledgees, as applicable.  Furthermore, to the extent that the Administrative Agent exercises remedies pursuant to this Agreement, any of the Administrative Agent and&#47;or any Buyer will have the right to bid on and&#47;or purchase any of the Repurchase Assets pursuant to Section 16 above (Remedies Upon Default).  The benefit of all representations, rights, remedies and covenants set forth in this Agreement shall inure to the benefit of the Administrative Agent on behalf of each Buyer and Repledgees, as applicable.  All provisions of this Agreement shall survive the transfers contemplated herein (including any Repledge Transactions) and in the Administration Agreement, except to the extent such provisions are modified by the Administration Agreement.  In the event of a conflict between the Administration Agreement and this Agreement, the terms of the Administration Agreement shall control.  Notwithstanding that multiple Buyers may purchase individual Purchased Mortgage Loans subject to Transactions entered into under this Agreement, all Transactions shall continue to be deemed a single Transaction and all of the Repurchase Assets shall be security for all of the Obligations hereunder, subject to the priority of payments provisions set forth in the Administration Agreement. </a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4f34a11f35f64d088bd6c64471dded60" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">82</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id5ba2b6834f645cc9c88009165cbd805" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">36.&#160;&#160;&#160;&#160;Periodic Due Diligence Review</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id5ba2b6834f645cc9c88009165cbd805" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">82</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0f0cc28ae2e142bd9c0bd7eb34667644" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">37.&#160;&#160;&#160;&#160;Authorizations</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0f0cc28ae2e142bd9c0bd7eb34667644" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">83</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9a55c03aed144a39b0226a813175ec4f" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">38.&#160;&#160;&#160;&#160;Administration of Repurchase Agreement</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i9a55c03aed144a39b0226a813175ec4f" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">83</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i684909e9d50f4812821aa5e814afeb96" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">39.&#160;&#160;&#160;&#160;Acknowledgement of Anti-Predatory Lending Policies</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i684909e9d50f4812821aa5e814afeb96" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">84</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8b583e9cc2ea436db3db174d2ff48aab" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">40.&#160;&#160;&#160;&#160;Documents Mutually Drafted</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i8b583e9cc2ea436db3db174d2ff48aab" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">84</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i140aa109604f4a6f9ccba1b83952beec" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">41.&#160;&#160;&#160;&#160;General Interpretive Principles</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i140aa109604f4a6f9ccba1b83952beec" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">84</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic50dba922831440e891dc759ea0fdb3b" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">42.&#160;&#160;&#160;&#160;Bankruptcy Non-Petition</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ic50dba922831440e891dc759ea0fdb3b" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">85</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if43a611d230b4e528ab2939e59caad41" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">43.&#160;&#160;&#160;&#160;Limited Recourse</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if43a611d230b4e528ab2939e59caad41" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">85</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ibba629a16d394546ac1c9aa45968c8ee" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">44.&#160;&#160;&#160;&#160; Pool Subdivisions</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ibba629a16d394546ac1c9aa45968c8ee" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">86</a></font></div></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- ii -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie825db7e744845c190ae7e001b8504b7" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">The Administrative Agent may from time to time deliver to Seller a Pool Subdivision Notice which notice shall identify a Pool of Purchased Mortgage Loans that shall be treated separately from the remaining Purchased Mortgage Loans (which remaining Purchased Mortgage Loans shall constitute another Pool).  The Administrative Agent may modify any such Pool Subdivision Notice from time to time to readjust the composition of the Pools identified therein.  Following delivery of a Pool Subdivision Notice, the calculations with respect to Price Differential (and all of the component calculations used in determining such calculation) shall be calculated separately on the basis of the Purchased Mortgage Loans comprising each Pool, which shall result in a separate Price Differential for each Pool.  For the avoidance of doubt, a Pool Subdivision Notice shall not (a) modify or otherwise affect the rights and obligations of the parties under the Program Agreements except as expressly contemplated in this Section 44&#59; and (b) shall not be construed as a Severance Notice as contemplated by Section 19 of this Agreement.</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie825db7e744845c190ae7e001b8504b7" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">86</a></font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id2bad1dbc42e4481a13727e52cb80b9a" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">45.&#160;&#160;&#160;&#160;Nominee</a></font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id2bad1dbc42e4481a13727e52cb80b9a" style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">86</a></font></div></td></tr></table></div><div style="margin-top:12pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- iii -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SCHEDULES</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Schedule 1 &#8211; Representations and Warranties with Respect to Purchased Mortgage Loans</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Schedule 2 &#8211; Authorized Representatives</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Schedule 3 &#8211; Non-Affiliate Joint Venture Companies</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">EXHIBITS</font></div><div style="padding-left:72pt;text-indent:-72pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Exhibit&#160;A &#160;&#160;&#160;&#160;Form of Power of Attorney (Seller)</font></div><div style="padding-left:72pt;text-indent:-72pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:72pt;text-indent:-72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Exhibit&#160;B &#160;&#160;&#160;&#160;Escrow Instruction Letter</font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- iv -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_7"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">is a MASTER REPURCHASE AGREEMENT, dated as of November 14, 2024, by and between ATLAS SECURITIZED PRODUCTS, L.P. (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Atlas</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administrative Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) on behalf of Buyers, including but not limited to AGF WHCO 1-A3 LP (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">WHCO</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and together with Atlas, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and LOANDEPOT.COM, LLC (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i76294d765aef475bb2892712560d66d0"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Applicability</font></div><div style="text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">From time to time the parties hereto may enter into transactions in which Seller agrees to transfer to Administrative Agent on behalf of Buyers certain Purchased Assets (as hereinafter defined) on a servicing released basis against the transfer of funds by Administrative Agent, with a simultaneous agreement by Administrative Agent on behalf of Buyers to transfer to Seller such Purchased Assets on a servicing released basis at a date certain or on demand, against the transfer of funds by Seller.  Each such transaction shall be referred to herein as a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and, unless otherwise agreed in writing, shall be governed by this Agreement, including any supplemental terms or conditions contained in any annexes identified herein, as applicable hereunder.  For the avoidance of doubt, and for administrative and tracking purposes, (a) the purchase and sale of each Purchased Mortgage Loan shall be deemed a separate Transaction and (b) with respect to each Designated Mortgage Loan, such Designated Mortgage Loan may, at Buyers&#8217; option, be sold to different Buyers on a pro rata basis, such that one Buyer pays the Purchase Price-Base and other Buyers pay the Purchase Price-Incremental 1 and Purchase Price-Incremental 2, as applicable, and, in which case, the Administrative Agent shall own the Designated Mortgage Loan, for the benefit of the purchasing Buyers, on a pro rata, pari passu basis.</font></div><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i166591cd6f5c48ca878da0b61c65dcd2"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Definitions</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings&#59; provided that any terms used but not otherwise defined herein shall have the meanings given to them in the Pricing Side Letter&#58; </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">1934 Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Securities Exchange Act of 1934, as amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Acceptable State</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any state acceptable pursuant to Seller&#8217;s Underwriting Guidelines.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Acceptable Valuation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Mortgaged Property or an REO Property, (a) on the Purchase Date, a FIRREA Appraisal (including, without limitation, property inspection waivers permitted pursuant to the Fannie Mae Guides and Freddie Mac Guides)&#59; (b) on any date after the initial Purchase Date, any other written valuation approved by the Administrative Agent in its sole discretion&#59; and (c) solely with respect to HELOCs and Second Lien Mortgage Loans, an AVM that is FIRREA compliant.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Accepted Servicing Practices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Mortgage Loan, those mortgage servicing practices of prudent mortgage lending institutions (including as set forth in </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 1 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">the Fannie Mae Guides, the Freddie Mac Guides, the GNMA Guide, the FHA Regulations and the VA Regulations, if applicable) which service mortgage loans of the same type as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located, and which are in accordance with any applicable Agency servicing practices and procedures for mortgage-backed security pool mortgages as set forth in the applicable Agency guides, including future updates.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Act of Insolvency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Person, (a)&#160;(i) the filing of a petition by such Person commencing, or authorizing the commencement of any case or proceeding, or the voluntary joining by such Person of any case or proceeding under any bankruptcy, insolvency, reorganization, liquidation, dissolution or similar law relating to the protection of creditors, or (ii) suffering by such Person of any such petition or proceeding to be commenced by another which is consented to, not timely contested or results in entry of an order for relief, which, in the case of clause (ii) (and solely to the extent not consented to), remains undismissed, unstayed or in effect for a period of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or more&#59; (b)&#160;the seeking of the appointment of a receiver, trustee, custodian or similar official for such Person or any substantial part of the property of such Person&#59; (c)&#160;the appointment of a receiver, conservator, or manager for such Person by any governmental agency or authority having the jurisdiction to do so&#59; (d)&#160;the making or offering by such Person of a composition with its creditors or a general assignment for the benefit of creditors&#59; (e)&#160;the admission by a Responsible Officer of such Person of its inability to pay its debts or discharge its obligations as they become due or mature&#59; or (f)&#160;that any governmental authority or agency or any person, agency or entity acting or purporting to act under governmental authority shall have taken any action to condemn, seize or appropriate, or to assume custody or control of, all or any substantial part of the property of such Person, or shall have taken any action to displace the management of such Person or to curtail its authority in the conduct of the business of such Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 35</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Collateral</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8.a(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administration Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Repo Administration and Allocation Agreement, dated as of the date hereof, by and among Seller, Atlas Securitized Products, L.P. as administrative agent and certain Buyers identified therein, as amended, restated, supplemented or otherwise modified from time to time. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Administrative Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Atlas Securitized Products, L.P. or any successor thereto under the Administration Agreement.</font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Affiliate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any specified entity, any other entity directly or indirectly controlling, or controlled by, or under common control with such entity, provided that no securitization trust or special purpose vehicle that issues non-recourse debt shall be considered an Affiliate&#59; provided that, for the avoidance of doubt, with respect to Administrative Agent and Buyers, &#8220;Affiliate&#8221; means Atlas Securitized Products, L.P., WHCO Intermediate Holdings L.P., their respective Subsidiaries and any CP Conduit. For the purposes of this definition, &#8220;control&#8221; means the power to direct the management and policies of such entity, </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 2 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">directly or indirectly, whether through the ownership of voting equity, by contract or otherwise. For the avoidance of doubt, none of the Permitted Holders, nor any joint venture of which Seller or LD Holdings Group LLC owns less than fifty percent (50%) of the equity interests therein nor any of the joint venture companies listed on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, shall be considered an Affiliate for purposes of this Agreement.</font></div><div><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Freddie Mac, Fannie Mae or GNMA, as applicable.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means approval by GNMA as an approved issuer, by FHA as an approved mortgagee, by VA as an approved VA lender, in each case in good standing, by Fannie Mae as an approved lender and Freddie Mac as an approved seller&#47;servicer, and, to the extent necessary, by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, collectively, Conforming Mortgage Loans, State Agency Program Loans, USDA Loans, FHA Loans and VA Loans (but not Early Buyout Loans).</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency Security</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a mortgage-backed security issued by an Agency including a GNMA Security.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agency-Required eNote Legend</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the legend or paragraph required by Fannie Mae, Freddie Mac or GNMA, as applicable, to be set forth in the text of an eNote, which includes the provisions set forth on an exhibit to the Custodial Agreement, as may be amended from time to time by Fannie Mae, Freddie Mac or GNMA, as applicable.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aggregate Purchase Price-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as of any date of determination, the aggregate outstanding Purchase Price-Base for a Purchased Mortgage Loan.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aggregate Purchase Price-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as of any date of determination, the aggregate outstanding Purchase Price-Incremental 1 for a Purchased Mortgage Loan.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aggregate Purchase Price-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as of any date of determination, the aggregate outstanding Purchase Price-Incremental 2 for a Purchased Mortgage Loan.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Aging Limit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means this Master Repurchase Agreement, as it may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Allocated Percentage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Purchased Mortgage Loan, the percentage obtained by (a) with respect to the Purchase Price-Base, the Purchase Price Percentage-Base divided by the Purchase Price Percentage-Total&#59; (b) with respect to the Purchase Price-Incremental 1, the Purchase Price Percentage-Incremental 1 divided by the Purchase Price Percentage-Total and (c) with respect to the Purchase Price-Incremental 2, the Purchase Price Percentage-Incremental 2 divided by the Purchase Price Percentage-Total.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 3 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Appraised Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (i) the &#8220;as is&#8221; value set forth in an appraisal made in connection with the origination of the related Mortgage Loan as the value of the Mortgaged Property, (ii) in the case of property inspection waiver Mortgage Loans, the value accepted by Fannie Mae or Freddie Mac&#8217;s automated underwriting system as the value of the Mortgaged Property or (iii) in the case of Second Lien Mortgage Loans and HELOCs, the value set forth in the AVM.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Approved Product Type</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the documents in the related Asset File to be delivered to the Custodian.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset File</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Mortgage File.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Matrix</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Schedule</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Transaction as of any date, an Asset Schedule in the form prescribed by the Custodial Agreement. </font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any Purchased Mortgage Loan, the sum of the Asset Value-Base, the Asset Value-Incremental 1 and the Asset Value-Incremental 2.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Purchase Price Percentage-Base, and (b) the applicable Maximum Value Amount&#59; provided that the Asset Value-Base of a Purchased Mortgage Loan may be reduced to zero by Administrative Agent or a Buyer if any Value Reduction Event shall occur. </font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Purchase Price Percentage-Incremental 1, and (b) the applicable Maximum Value Amount&#59; provided, that, the Asset Value-Incremental 1 of a Purchased Mortgage Loan may be reduced to zero by Administrative Agent or a Buyer if any Value Reduction Event shall occur.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Asset Value-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Purchase Price Percentage-Incremental 2, and (b) the applicable Maximum Value Amount&#59; provided, that, the Asset Value-Incremental 2 of a Purchased Mortgage Loan may be reduced to zero by Administrative Agent or a Buyer if any Value Reduction Event shall occur.</font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment and Acceptance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 4 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment of Mortgage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means 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 assignment and pledge of the Mortgage.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment of Proprietary Lease</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the specific agreement creating a first lien on and pledge of the Co-op Shares and the appurtenant Proprietary Lease securing a Co-op Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Authoritative Copy</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a single authoritative copy of such document that is unique, identifiable and unalterable, is marked as the original and has no indication that it is a non-authoritative copy.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">AVM</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an automated valuation model providing computer-generated home appraisals for mortgages based on comparable sales, title records and other market factors, and having a minimum confidence score of at least 80%.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Bailee Letter</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the applicable Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Bank</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means JPMorgan Chase Bank, National Association and any successor or assign.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Bankruptcy Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the United States Bankruptcy Code of 1978, as amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficial Ownership Certification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a certification regarding beneficial ownership required by the Beneficial Ownership Regulation. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficial Ownership Regulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means 31 C.F.R. &#167; 1010.230. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">BPL &#8211; Holdback</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Business Purpose Mortgage Loan with respect to which there exists a Holdback Amount.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">BPL &#8211; Long</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Business Purpose Mortgage Loan with respect to which (a) the related Mortgaged Property consists of (i) eight (8) units or less or (ii) between </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> units and with an original outstanding principal amount less than $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and (b) the related maturity date is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or more from the date of the Mortgage Note. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Business Day</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any day other than (i)&#160;a Saturday or Sunday&#59; (ii)&#160;a day on which the New York Stock Exchange, the Federal Reserve Bank of New York or the Custodian is authorized or obligated by law or executive order to be closed or (iii) a public or bank holiday in New York City.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Business Purpose Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan with respect to which the related Mortgaged Property (a) is non-owner occupied&#59; (b) is primarily used for business or commercial purposes (as referenced in the Truth and Lending Act and its implementing regulation, Regulation Z)&#59; and (c) has been originated or acquired in accordance with Underwriting Guidelines.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 5 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Administrative Agent, in its capacity as a buyer, WHCO and each other Buyer which becomes a party hereto pursuant to and in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof and, with respect to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, its participants. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Capital Lease Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, for any Person, all obligations of such Person to pay rent or other amounts under a lease of (or other agreement conveying the right to use) Property to the extent such obligations are required to be classified and accounted for as a capital lease on a balance sheet of such Person under GAAP, and, for purposes of the Agreement, the amount of such obligations shall be the capitalized amount thereof, determined in accordance with GAAP. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Change in Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means&#58; </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font id="ia655a1be2b1542d5849610212873e5f5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">any event or series of events by which any &#8220;person&#8221; or &#8220;group&#8221; (as such terms are used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended), but excluding any employee benefit plan of such person or its Subsidiaries, and any person or entity acting in its capacity as trustee, agent or other fiduciary or administrator of any such plan, other than the Permitted Holders becomes the &#8220;beneficial owner&#8221; (as defined in Rules 13d-3 and 13d-5 under the Securities Exchange Act of 1934, as amended) of fifty-one percent (51%) of the equity securities of loanDepot, Inc., a Delaware corporation, entitled to vote for members of the board of directors or equivalent governing body of Seller on a fully-diluted basis&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font id="ie8f7ada66dd246ff9fc9d44e5daf4401"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">the sale, transfer, or other disposition of all or substantially all of Seller&#8217;s assets (excluding any such action taken in connection with any securitization transaction)&#59; or</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font id="iedda28a6b2ab47f4af9ad38bee6f524d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">if Seller is a Delaware limited liability company, Seller enters into any transaction or series of transactions to adopt, file, effect or consummate a Division, or otherwise permits any such Division to be adopted, filed, effected or consummated. </font></div><div style="margin-bottom:6pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Clearing Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the account into which HUD, VA and USDA remit all Income (including, without limitation, claims and proceeds) on account of Early Buyout Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Internal Revenue Code of 1986, as amended.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Collection Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the account described in the Collection Account Control Agreement, into which all collections and proceeds on or in respect of the Purchased Mortgage Loans shall be deposited by Seller or Servicer.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Collection Account Control Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain collection account control agreement, dated as of the date hereof, among Administrative Agent, Seller and Bank, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Combined Loan to Value Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">CLTV</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any Second Lien Mortgage Loan or HELOC, the ratio of (i) the combined amount of the original amount (or the related credit limit with respect to a HELOC) of the Second Lien Mortgage Loan or HELOC, as applicable, plus all secured loans on the related property that are equal or senior in priority to that Second Lien Mortgage Loan or HELOC, as applicable, the Appraised Value of the Mortgaged Property at origination of the Second Lien Mortgage Loan or HELOC.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 6 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Committed Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Purchased Mortgage Loan which is the subject of a Take-out Commitment with a Take-out Investor.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Concentration Limit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Conforming Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a first lien Mortgage Loan, including State Agency Program Loans, originated in accordance with the criteria of an Agency for purchase of Mortgage Loans, including, without limitation, conventional Mortgage Loans, as determined by Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the &#8220;control&#8221; of such eNote within the meaning of UETA and&#47;or, as applicable, E-SIGN, which is established by reference to the MERS eRegistry and any party designated therein as the Controller. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Control Failure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the failure of the Controller status of the eNote in the MERS eRegistry to reflect Administrative Agent&#8217;s MERS Org ID as a result of an unauthorized Transfer of Control or unauthorized Transfer of Control and Location, in either case, initiated by Custodian or through Custodian&#8217;s system, in contravention of the terms of this Agreement&#59; provided that (i) Custodian delivered the most recent Custodial Mortgage Loan Schedule and exception report reflecting the Location status of the eNote as the Custodian&#8217;s MERS Org ID and the Controller status of the eNote as Administrative Agent&#8217;s MERS Org ID and (ii) the Controller status and Location status of such eNote have not been transferred pursuant to (x) a Request for Release of Documents (as defined in the Custodial Agreement) or (y) Administrative Agent&#8217;s written request or instruction. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Controller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the party designated in the MERS eRegistry as the &#8220;Controller&#8221;, and who in such capacity shall be deemed to be &#8220;in control&#8221; or to be the &#8220;controller&#8221; of such eNote within the meaning of UETA or E-SIGN, as applicable. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Corporation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, the cooperative apartment corporation that holds legal title to the related Co-op Project and grants occupancy rights to units therein to stockholders through Proprietary Leases or similar arrangements.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan secured by the pledge of stock allocated to a Co-op Unit in a Co-op Corporation and collateral assignment of the related Proprietary Lease.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Project</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, all real property and improvements thereto and rights therein and thereto owned by a Co-op Corporation including without limitation the land, separate dwelling units and all common elements.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, the shares of stock issued by a Co-op Corporation and allocated to a Co-op Unit and represented by a Stock Certificates.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Co-op Unit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Co-op Loan, a specific unit in a Co-op Project.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">CP Conduit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any Buyer that is an asset-backed commercial paper conduit. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 7 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Credit Limit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each HELOC, the maximum amount permitted under the terms of the related Credit Line Agreement as identified in the related Asset Schedule.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Credit Line Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each HELOC, the related home equity line of credit agreement, account agreement and promissory note (if any) executed by the related Mortgagor and any amendment or modification thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Custodial Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the custodial agreement, dated as of the date hereof, among Seller, Administrative Agent, Buyers and Custodian identified therein, as it may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Custodial Mortgage Loan Schedule</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Custodian</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Deutsche Bank National Trust Company or such other party specified by Administrative Agent and agreed to by Seller, which approval shall not be unreasonably withheld.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Daily Simple SOFR</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, for any day, SOFR, with conventions (including, without limitation, a lookback) established by the Administrative Agent in its sole good faith discretion in accordance with the conventions for this rate selected or recommended by the Relevant Governmental Body for determining &#8220;Daily Simple SOFR&#8221;&#59; provided that, if the Administrative Agent determines that any such convention is not administratively, operationally, or technically feasible for the Administrative Agent, then the Administrative Agent may establish another convention in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">DE Compare Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Two Year FHA Direct Endorsement Lender Compare Ratio, excluding streamline FHA refinancings, as made publicly available by HUD.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Debtor Relief Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any law, administration, or regulation relating to reorganization, winding up, administration, composition or adjustment of debts or otherwise relating to bankruptcy or insolvency. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an Event of Default or an event that with notice or lapse of time or both would become an Event of Default.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Delegatee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the party designated in the MERS eRegistry as the &#8220;Delegatee&#8221; or &#8220;Delegatee for Transfers&#8221;, and in such capacity is authorized by the Controller to perform certain MERS eRegistry transactions on behalf of the Controller such as Transfers of Control and Transfers of Control and Location. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Delinquency Advance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any advance made by Seller under the Servicing Agreements, to cover due, but uncollected or unavailable as a result of funds not yet being cleared, principal and interest payments on the Purchased Mortgage Loans included in the portfolio of Purchased Mortgage Loans serviced by Seller pursuant to the Servicing Agreements, </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 8 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">including Purchased Mortgage Loans with respect to which the related Mortgaged Property is being held pending liquidation.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Designated Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Purchased Mortgage Loan that is identified by Administrative Agent as eligible for a Purchase Price-Base, a Purchase Price-Incremental 1 and&#47;or a Purchase Price-Incremental 2. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Disqualification Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Designated Mortgage Loan which has Purchase Price-Incremental 2, the occurrence of any of the following events&#58; (a) a Participant materially breaches the applicable Participation Agreement, (b) an Act of Insolvency occurs with respect to a Participant, (c) the failure of a Participant to purchase the participation interest pursuant to a Participation Agreement with respect to a Designated Mortgage Loan, (d) the Administrative Agent, a Participant or a Buyer shall have determined in its sole good faith discretion that the introduction of or a change in any Requirement of Law or in the interpretation or administration of any Requirement of Law applicable to Administrative Agent, any Participant or any Buyer has made it unlawful, for Administrative Agent, any Participant or any Buyer to purchase Purchased Mortgage Loan or participations in Transactions, or (e) the Administrative Agent determines in its sole discretion, that it will no longer enter into Transactions comprised of Purchase Price-Incremental 2 on account of a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Division</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the division of a limited liability company into two or more limited liability companies pursuant to and in accordance with Section 18-217 of Chapter 18 of the Delaware Limited Liability Company Act, 6 Del. C. &#167;&#167; 18-101 et seq., as amended. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Dollars</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">$</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means dollars in lawful currency of the United States of America.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Draw</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each HELOC, an additional borrowing by the Mortgagor in accordance with the related Credit Line Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Due Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the day of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive of any days of grace. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Early Buyout</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the purchase of a modified or delinquent FHA Loan, VA Loan or USDA Loan by Seller from a pool of mortgage loans backing a GNMA Security.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Early Buyout Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an FHA Loan, USDA Loan or VA Loan which is subject to an Early Buyout and is a Purchased Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Effective Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the date upon which the conditions precedent set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 10</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall have been satisfied.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Electronic Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means MERSCORP Holdings, Inc., or its successor in interest or assigns. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Electronic Record</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, as the context requires, (i) &#8220;Record&#8221; and &#8220;Electronic Record,&#8221; both as defined in E-SIGN, and shall include but not be limited to, recorded telephone conversations, fax copies or electronic transmissions, including without limitation, those </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 9 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">involving the Warehouse Electronic System, and (ii) with respect to an eMortgage Loan, the related eNote and all other documents comprising the Mortgage File electronically created and that are stored in an electronic format, if any. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Electronic Tracking Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means one or more Electronic Tracking Agreements with respect to (x) the tracking of changes in the ownership, mortgage servicers and servicing rights ownership of Purchased Mortgage Loans held on the MERS System, and (y) the tracking of the Control of eNotes held on the MERS eRegistry, each in a form acceptable to Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eMortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan that is a Conforming Mortgage Loan (other than an FHA Loan or VA Loan) with respect to which there is an eNote and as to which some or all of the other documents comprising the related Mortgage File may be created electronically and not by traditional paper documentation with a pen and ink signature. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any eMortgage Loan, the electronically created and stored Mortgage Note that is a Transferable Record. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Delivery Requirements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 3(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Replacement Failure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in the Custodial Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Secured Party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the party designated in the MERS eRegistry as the &#8220;Secured Party&#8221;.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">ERISA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Employee Retirement Income Security Act of 1974, as amended from time to time and any successor thereto, and the regulations promulgated and administrative rulings issued thereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">ERISA Affiliate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any corporation or trade or business that, together with Seller is treated as a single employer under Section 414(b) or (c) of the Code or solely for purposes of Section 302 of ERISA and Section 412 of the Code is treated as single employer described in Section 414 of the Code.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Escrow Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Fourth Amended and Restated Escrow Agreement dated as of August 16, 2016 among </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and such other parties joined thereto from time to time, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Escrow Instruction Letter</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Escrow Instruction Letter from Seller to the Settlement Agent, in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit&#160;B</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Escrow Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, 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 </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 10 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">required to be escrowed by the Mortgagor with the mortgagee pursuant to the Mortgage or any other document.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eVault</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an electronic repository established and maintained by an eVault Provider for delivery and storage of eNotes.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"> </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eVault Provider</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Document Systems, Inc. d&#47;b&#47;a DocMagic, or its successor in interest or assigns, or such other entity agreed upon by Custodian or Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Event of Termination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to Seller (a) with respect to any Plan, a reportable event, as defined in Section 4043 of ERISA, as to which the PBGC has not by regulation waived the requirement of Section 4043(a) of ERISA that it be notified within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of the occurrence of such event, or (b) 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 4001(a)(2) of ERISA, or (c) the failure by Seller or any ERISA Affiliate thereof to meet the minimum funding standard of Section 412 of the Code or Section 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&#160;412(m) of the Code (or Section&#160;430(j) of the Code as amended by the Pension Protection Act) or Section&#160;302(e) of ERISA (or Section&#160;303(j) of ERISA, as amended by the Pension Protection Act), (d) the distribution under Section 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, or (e) the failure to meet requirements of Section 436 of the Code resulting in the loss of qualified status under Section 401(a)(29) of the Code, or (f) the institution by the PBGC of proceedings under Section 4042 of ERISA for the termination of, or the appointment of a trustee to administer, any Plan, or (g) the receipt by Seller or any ERISA Affiliate thereof of a notice from a Multiemployer Plan that action of the type described in the previous clause (f) has been taken by the PBGC with respect to such Multiemployer Plan, or (h) 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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Excluded Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any of the following Taxes imposed on or with respect to a Buyer or other recipient of any payment hereunder or required to be withheld or deducted from a payment to such Buyer or such other recipient&#58; (a) Taxes based on (or measured by) net income or net profits, franchise Taxes and branch profits Taxes that are imposed on a Buyer or other recipient of any payment hereunder as a result of (i) 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) a present or former connection between such Buyer or other recipient and the jurisdiction of the Governmental Authority imposing such Tax or any political subdivision or taxing authority thereof (other than connections arising from such Buyer or other recipient 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 under this Agreement or any Program Agreement, or sold or assigned an interest in any Purchased Mortgage Loan)&#59; (b) any Tax imposed on a Buyer or other </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 11 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">recipient of a payment hereunder that is attributable to such Buyer&#8217;s or other recipient&#8217;s failure to comply with relevant requirements set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; (c) any withholding Tax that is imposed on amounts payable to or for the account of such Buyer or other recipient of a payment hereunder pursuant to a law in effect on the date such person becomes a party to or under this Agreement, or such person changes its lending office, except in each case to the extent that amounts with respect to Taxes were payable either to such person&#8217;s assignor immediately before such person became a party hereto or to such person immediately before it changed its lending office&#59;  and (d) any U.S. federal withholding Taxes imposed under FATCA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Existing Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(23)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">E-SIGN</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. &#167; 7001 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">et seq</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Fannie Mae</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal National Mortgage Association or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Fannie Mae Guides</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Fannie Mae Seller&#8217;s Guide and Fannie Mae Servicers&#8217; Guide and all amendments or additions thereto, including, but not limited to, future updates thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FATCA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; &#160;&#160;&#160;&#160;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 and any agreements entered into pursuant to Section 1471(b)(1) of the Code.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 26(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDICIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 26(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Housing Administration, an agency within the HUD, or any successor thereto, and including the Federal Housing Commissioner and the Secretary of HUD where appropriate under the FHA Regulations. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Approved Mortgagee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a corporation or institution approved as a mortgagee by the FHA under the National Housing Act, as amended from time to time, and applicable FHA Regulations, and eligible to own and service mortgage loans such as the FHA Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Connection System</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the FHA Connection system, together with any successor FHA electronic access portal.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan which is the subject of an FHA Mortgage Insurance Contract.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Mortgage Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, mortgage insurance authorized under the National Housing Act, as amended from time to time, and provided by the FHA.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 12 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Mortgage Insurance Contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the contractual obligation of the FHA respecting the insurance of a Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FHA Regulations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the regulations promulgated by the HUD under the National Housing Act, as amended from time to time and codified in 24 Code of Federal Regulations, and other HUD issuances relating to FHA Loans, including the related handbooks, circulars, notices and mortgagee letters.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FICO</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Fair Isaac &#38; Corporation, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Fidelity Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means 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 Seller&#8217;s regulators.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Financial Covenants</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 14.jj</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FIRREA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Financial Institutions Reform, Recovery and Enforcement Act of 1989.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FIRREA Appraisal</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an opinion of the &#8220;as is&#8221; fair market value of a Mortgaged Property or an REO Property that (a) is given by a licensed real estate agent or broker in conformity with customary and usual business practices, which includes comparable sales and comparable listings and (b) complies with the criteria set forth in FIRREA for an &#8220;appraisal&#8221; or if an appraisal is not required by the statute, an &#8220;evaluation&#8221;.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Freddie Mac</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Home Loan Mortgage Corporation or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Freddie Mac Guides</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any and all applicable rules, regulations, requirements and guidelines of Freddie Mac, including the Freddie Mac Guide and including any representations and warranties incorporated into any sale contract with Freddie Mac.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Funding 2 Repo Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Master Repurchase Agreement, by and among Administrative Agent, Atlas Securitized Products Funding 2, L.P. and Seller, as the same may be amended, restated, supplemented or otherwise modified and in effect from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Funding 2 Repo Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Funding 2 Repo Agreement and the &#8220;Program Agreements&#8221; as defined in the Funding 2 Repo Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GAAP</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means generally accepted accounting principles in effect from time to time in the United States of America and applied on a consistent basis.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Government National Mortgage Association and any successor thereto.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 13 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA Guide</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the GNMA Mortgage-Backed Securities Guide, Handbook 5500.3, Rev. 1, as amended from time to time, and any related announcements, directives and correspondence issued by GNMA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA Haircut Amount</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Simultaneously Funded Early Buyout Loan, an amount equal to (i) the amount due to GNMA to repurchase such Mortgage Loan from GNMA less (ii) the Purchase Price for such Mortgage Loan. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">GNMA Security</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a mortgage-backed security guaranteed by GNMA pursuant to the GNMA Guide.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Governmental Authority</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any nation or government, any state or other political subdivision thereof, or any entity exercising executive, legislative, judicial, regulatory or administrative functions over Seller, Administrative Agent or any Buyer, as applicable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Gross Margin</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each adjustable rate Mortgage Loan, the fixed percentage amount set forth in the related Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Guarantee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Hash Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the unique, tamper-evident digital signature of such eNote that is stored with MERS. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">HELOC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a home equity revolving line of credit secured by a first lien or second lien on the related Mortgaged Property.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">High Cost Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan (a) classified as a &#8220;high cost&#8221; loan under the Home Ownership and Equity Protection Act of 1994&#59; (b)&#160;classified as a &#8220;high cost,&#8221; &#8220;threshold,&#8221; &#8220;covered,&#8221; or &#8220;predatory&#8221; 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&#47;or fees) or (c) having a percentage listed under the Indicative Loss Severity Column (the column that appears in the S&#38;P Anti-Predatory Lending Law Update Table, included in the then-current S&#38;P&#8217;s LEVELS&#174; Glossary of Terms on Appendix E). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Holdback Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an account held by Servicer pursuant to the terms of the applicable Servicing Agreement, if any, in each case, into which any Holdback Amounts with respect to BPL &#8211; Holdback may be deposited and held. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Holdback Amount</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a BPL &#8211; Holdback, such escrow or holdback amounts that are advanced by the related originator but not disbursed to the related Mortgagor at such Mortgage Loan&#8217;s origination date, with such undisbursed amounts being held by the applicable Servicer in the related Holdback Account for funding amounts for the related Mortgagor to improve and rehabilitate the related Mortgaged Property in accordance with the related Servicing Agreement and Asset Documents.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 14 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Hsieh Investors</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">HUD</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the United States Department of Housing and Urban Development or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan, without duplication, all principal and income or dividends or distributions received with respect thereto, including any sale or liquidation premiums, liquidation proceeds, insurance proceeds, dividends or other distributions payable thereon or any fees or payments of any kind received by the related Servicer (net of any servicing fees and advances then due and owing pursuant to the terms of the applicable Servicing Agreement).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnified Party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 30</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnified Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a) Taxes, other than Excluded Taxes, imposed on or with respect to any payment made by or on account of any obligation of the Seller hereunder or under any Program Agreement and (b) Other Taxes.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Index</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any adjustable rate Mortgage Loan, the index identified on the Asset Schedule and set forth in the related Mortgage Note for the purpose of calculating the applicable Mortgage Interest Rate.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Intercreditor Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Fourth Amended and Restated Intercreditor Agreement dated as of August 16, 2016 among </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and such other parties joined thereto from time to time, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Interest Rate Adjustment Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the date on which an adjustment to the Mortgage Interest Rate with respect to each Mortgage Loan becomes effective.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Interest Rate Protection Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any or all of the Purchased Mortgage Loans, or any short sale of a security issued by the U.S. Department of the Treasury, 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 interest obligations, either generally or under specific contingencies, entered into by Seller.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Joint Securities Account Control Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means that certain Fourth Amended and Restated Joint Securities Account Control Agreement dated as of August 16, 2016 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and such other parties joined thereto from time to time, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">LD Holdings</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means LD Holdings Group LLC, a Delaware limited liability</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">company.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 15 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Lender Insurance Authority</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the permission granted to certain FHA-approved lenders to process single family mortgage applications without first submitting documentation to the United States Department of Housing and Urban Development as set forth in 12 U.S.C. &#167;1715z-21 and the regulations enacted thereunder set forth in 24 CFR &#167;203.6.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Lien</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any mortgage, lien, pledge, charge, security interest or similar encumbrance.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Loan to Value Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">LTV</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any Mortgage Loan, the ratio of the original outstanding principal amount (or the related credit limit with respect to a HELOC) of such Mortgage Loan to the Appraised Value of the Mortgaged Property at origination.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Location</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the location of such eNote which is established by reference to the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deadlines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deficit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Market Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Master Servicer Field</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the field entitled, &#8220;Master Servicer&#8221; in the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Material Adverse Effect</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a)&#160;a material adverse change in, or a material adverse effect upon, the operations, business, properties or condition (financial or otherwise) of Seller or any Affiliate that is a party to any Program Agreement taken as a whole&#59; (b)&#160;a material impairment of the ability of Seller or any Affiliate that is a party to any Program Agreement to perform under any Program Agreement and to avoid any Event of Default&#59; or (c)&#160;a material adverse effect upon the legality, validity, binding effect or enforceability of any Program Agreement against Seller or any Affiliate that is a party to any Program Agreement, in each case as determined by the Administrative Agent in its good faith discretion. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Aggregate Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Available Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Maximum Value Amount</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, on each date of determination, an amount equal to (a) with respect to any Purchased Mortgage Loan (other than a Business Purpose Mortgage Loan), as of any date of determination, an amount equal to the least of (i) the Market Value thereof, (ii) the purchase price paid by the Seller (if </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) or (iii) the unpaid principal balance thereof and (b) with respect to a Business Purpose Mortgage Loan, an amount equal to the lesser of (i) the unpaid principal balance (which, for the avoidance of doubt, shall not include any Holdback </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 16 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Amounts whether or not reflected in the unpaid principal balance) thereof, and (ii) the Market Value thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MBA Method of Delinquency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to Mortgage Loans, the methodology used by the Mortgage Bankers Association for assessing delinquency. For the avoidance of doubt, under the MBA Method of Delinquency, a Mortgage Loan is considered &#8220;30 days delinquent&#8221; if the Mortgagor fails to make a monthly payment prior to the close of business on the day that immediately precedes the due date on which the next monthly payment is due. For example, a Mortgage Loan will be considered thirty (30) days delinquent if the Mortgagor fails to make a monthly payment originally due on October 1 by the close of business on October 30.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS eDelivery</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the transmission system operated by the Electronic Agent that is used to deliver eNotes, other Electronic Records and data from one MERS eRegistry member to another using a system-to-system interface and conforming to the standards of the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS eRegistry</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the electronic registry operated by the Electronic Agent that acts as the legal system of record that identifies the Controller, Delegatee and Location of the Authoritative Copy of registered eNotes. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS Org ID</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a seven-digit number assigned by MERSCORP Holdings that uniquely identifies a member entity on the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">MERS System</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the mortgage electronic registry system operated by the Electronic Agent that tracks changes in Mortgage ownership, mortgage servicers and servicing rights ownership.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Monthly Payment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the scheduled monthly payment of principal and&#47;or interest on a Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Moody&#8217;s</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Moody&#8217;s Investors Service, Inc. or any successors thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each mortgage, assignment of rents, security agreement and fixture filing, or deed of trust, assignment of rents, security agreement and fixture filing, deed to secure debt, assignment of rents, security agreement and fixture filing, 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 Co-op Loan, in which case the first lien position is in the Co-op Shares and in the Proprietary Lease relating to such Co-op Shares.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage File</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Mortgage Loan, the documents and instruments relating to such Mortgage Loan and set forth in an exhibit to the Custodial Agreement.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 17 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Interest Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the rate of interest borne on a Mortgage Loan from time to time in accordance with the terms of the related Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Interest Rate Cap</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an adjustable rate Mortgage Loan, the limit on each Mortgage Interest Rate adjustment as set forth in the related Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any Approved Product Type which is a fixed or floating rate, one to four family residential mortgage or home equity loan evidenced by a promissory note and secured by a first (or, in the case of Second Lien Mortgage Loans or second lien HELOCs, second) lien mortgage, which satisfies the requirements set forth in the Underwriting Guidelines and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof&#59; provided that Mortgage Loans shall not include any High Cost Mortgage Loans and shall not include home equity conversion loans. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgage Note</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the promissory note or other evidence of the indebtedness of a Mortgagor secured by a Mortgage, including the Credit Line Agreement in the case of a HELOC.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgaged Property</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the real property or other Co-op Loan collateral securing repayment of the debt evidenced by a Mortgage Note.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Mortgagor</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the obligor or obligors on a Mortgage Note, including any person who has assumed or guaranteed the obligations of the obligor thereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Multiemployer Plan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a multiemployer plan defined as such in Section 3(37) of ERISA to which contributions have been or are required to be made by Seller or any ERISA Affiliate and that is covered by Title IV of ERISA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Nominee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Seller, or any successor Nominee appointed by Administrative Agent following the occurrence and during the continuance of an Event of Default.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate MRA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Agency Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan other than an Early Buyout Loan that (a)&#160;is not a Non-Agency Non-QM Mortgage Loan&#59; (b) either (i) does not meet the criteria for an Agency Mortgage Loan or (ii) is an Agency Mortgage Loan that is aggregated for placement into a private label securitization or for sale to a Take-out Investor other than an Agency&#59; (c)&#160;meets all applicable criteria as set forth in the Underwriting Guidelines and (d) is identified as a Non-Agency Mortgage Loan by Administrative Agent and Seller.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Agency Non-QM Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; a Non-Agency Mortgage Loan that (a) does not meet the criteria for a Qualified Mortgage Loan&#59; (b) meets all applicable criteria as set forth in the Underwriting Guidelines and (c) is otherwise acceptable to Administrative Agent in its sole good faith discretion.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 18 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Performing Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a)&#160;any Mortgage Loan for which any payment of principal or interest is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or more days past due (according to the MBA Method of Delinquency), (b)&#160;any Mortgage Loan with respect to which the related mortgagor is in bankruptcy or (c)&#160;any Mortgage Loan with respect to which the related mortgaged property is in foreclosure.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">OFAC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(27)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Officer&#8217;s Compliance Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Ordinary Course Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any litigation or arbitration proceeding commenced by a Mortgagor, or the assertion by a Mortgagor of any common or necessary or compulsory cause of action, defense or counterclaim, seeking to enjoin, hinder, delay, set aside or temporarily restrain a foreclosure proceeding or other enforcement action commenced by the holder or servicer of a Mortgage Loan or real estate owned Property in the ordinary course of its business.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Other Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any and all present or future stamp, court or documentary, intangible, recording, filing or similar Taxes or any excise, sales, goods and services or transfer taxes, charges or similar levies arising from any payment made hereunder or from the execution, delivery, performance, enforcement or registration of, from the receipt or perfection of a security interest under, or otherwise with respect to, any Program Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Parthenon Investors</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Participant</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any participant as contemplated by </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22.b</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement which has entered into a Participation Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Participation Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a participation agreement by and among a Participant, the Administrative Agent and the Buyers in form and substance acceptable to Administrative Agent, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Payment Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, (a) with respect to the payment of Price Differential, the fifth (5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) day of the month and (b) with respect to the payment of all other amounts due hereunder, the twelfth (12</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) day of the month&#59; provided, that, in the case of clauses (a) and (b) if any such day is not a Business Day, the Payment Date shall be the next succeeding Business Day and provided, further, the final Payment Date shall be the related Repurchase Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">PBGC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Pension Benefit Guaranty Corporation or any entity succeeding to any or all of its functions under ERISA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pension Protection Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Pension Protection Act of 2006.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 19 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Permitted Holders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any of the Hsieh Investors and the Parthenon Investors.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an individual, partnership, corporation (including a business trust), limited liability company, joint stock company, trust, unincorporated association, joint venture or other entity, or a government or any political subdivision or agency thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Plan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an employee pension benefit or other plan as defined in Section 3(2) of ERISA, established or maintained by Seller or any ERISA Affiliate and covered by Title&#160;IV of ERISA, other than a Multiemployer Plan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pool</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a subset of Purchased Mortgage Loans subject to Transactions which shall be identified from time to time by the Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pool Subdivision Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a written notice delivered by Administrative Agent to Seller, which shall identify the discrete Purchased Mortgage Loans which shall be allocated to different Pools. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Post-Default Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Power of Attorney</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Power of Attorney substantially in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto delivered by Seller. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, for each Purchased Mortgage Loan, calculated daily on the basis of a 360-day year for the actual number of days during each Pricing Period, the sum of the Price Differential-Base, Price Differential-Incremental 1 and Price Differential-Incremental 2 for such Pricing Period. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Pricing Rate-Base and (b) the Aggregate Purchase Price-Base.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Pricing Rate-Incremental 1 and (b) the Aggregate Purchase Price-Incremental 1.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Price Differential-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan as of any date of determination, an amount equal to the product of (a) the applicable Pricing Rate-Incremental 2 and (b) the Aggregate Purchase Price-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Floor</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Payment Date, the period commencing on (and including) the date that is the first calendar day of the preceding month and terminating on (and including) the earlier of (i) the Repurchase Date and (ii) last calendar day of the preceding month&#59; provided, that the initial Pricing Period shall commence on the initial Purchase Date.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 20 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to each Purchased Mortgage Loan, the sum of (a) with respect to the Purchase Price-Base, the Pricing Rate-Base&#59; (b) with respect to the Purchase Price-Incremental 1, if any, the Pricing Rate-Incremental 1 and (c) with respect to the Purchase Price-Incremental 2, if any, the Pricing Rate-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to the Purchase Price-Base, the sum of (a) the greater of (i) the Reference Rate and (ii) the Pricing Floor plus (b) the applicable percentage listed in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to the Purchase Price-Incremental 1, the sum of (a) the greater of (i) the Reference Rate and (ii) the Pricing Floor plus (b) the applicable percentage listed in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Rate-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to the Purchase Price-Incremental 2, the sum of (a) the greater of (i) the Reference Rate and (ii) the Pricing Floor plus (b) the applicable percentage listed in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Pricing Side Letter</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the letter agreement dated as of the date hereof, among Administrative Agent, Buyers and Seller, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Principal Paydown Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means payments of principal, including full and partial prepayments, related to the Purchased Mortgage Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Program Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means such account identified by Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Program Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, collectively, this Agreement&#59; the Administration Agreement&#59; Custodial Agreement&#59; the Pricing Side Letter&#59; the Electronic Tracking Agreement&#59; the Collection Account Control Agreement&#59; the Power of Attorney&#59; each Servicing Agreement&#59; each Servicer Notice&#59; when entered into, the Escrow Agreement, the Intercreditor Agreement and the Joint Securities Account Control Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibited Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(27)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Property</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any right or interest in or to property of any kind whatsoever, whether real, personal or mixed and whether tangible or intangible.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Proprietary Lease</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the lease on a Co-op Unit evidencing the possessory interest of the owner in the Co-op Shares in such Co-op Unit.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Protective Advance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any servicing advance (including, but not limited to, any advance made to pay taxes and insurance premiums&#59; any advance to pay the costs of protecting the value of any real property or other security for a mortgage loan&#59; and any advance to pay the costs of realizing on the value of any such security) made by Seller in connection with any Purchased Mortgage Loans that are Early Buyout Loans.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 21 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the date on which a Purchased Asset is to be transferred by Seller to Administrative Agent for the benefit of Buyers.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the price at which each Purchased Mortgage Loan is transferred by or contributed to Seller, as applicable, to Administrative Agent for the benefit of Buyers, which shall equal&#58; </font></div><div style="margin-top:12pt;padding-left:36pt;padding-right:36pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a) on the applicable Purchase Date, the applicable Purchase Price-Base plus the Purchase Price-Incremental 1, if any plus the Purchase Price-Incremental 2, if any&#59; and</font></div><div style="margin-bottom:12pt;margin-top:12pt;padding-left:36pt;padding-right:36pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b) on any day after the Purchase Date, except where Administrative Agent for the benefit of Buyers and Seller agree otherwise, the amount determined under the immediately preceding clause&#160;(a), (i) increased by the amount of any additional Purchase Price-Incremental 1 and additional Purchase Price-Incremental 2 advanced pursuant to this Agreement and (ii) decreased by the amount of any cash transferred by Seller and applied to reduce Seller&#8217;s Obligations in accordance with this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan&#58; (a) on the applicable Purchase Date, the amount remitted by Administrative Agent, on behalf of Buyers, to Seller which shall not exceed the product of (i) the applicable Purchase Price Percentage-Base, and (ii) the applicable Maximum Value Amount, and (b) on any day after the applicable Purchase Date, the amount determined in the immediately preceding clause (a) and increased or decreased in accordance with the definition of Purchase Price set forth herein. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan&#58; (a) on the applicable Purchase Date, the amount remitted by Administrative Agent, on behalf of Buyers, to Seller which shall not exceed the product of (i) the applicable Purchase Price Percentage-Incremental 1, and (ii) the applicable Maximum Value Amount, and (b) on any day after the applicable Purchase Date, the amount determined in the immediately preceding clause (a) and increased or decreased in accordance with the definition of Purchase Price set forth herein. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Purchased Mortgage Loan&#58; (a) on the applicable Purchase Date, the amount remitted by Administrative Agent, on behalf of Buyers, to Seller which shall not exceed the product of (i) the applicable Purchase Price Percentage-Incremental 2, and (ii) the applicable Maximum Value Amount, and (b) on any day after the applicable Purchase Date, the amount determined in the immediately preceding clause (a) and increased or decreased in accordance with the definition of Purchase Price set forth herein. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, (a) with respect to the Purchase Price-Base, the Purchase Price Percentage-Base&#59; (b) with respect to the Purchase Price-Incremental 1, if any, the Purchase Price Percentage-Incremental 1 and (c) with respect to the Purchase Price-Incremental 2, if any, the Purchase Price Percentage-Incremental 2. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 22 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage-Base</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage-Incremental 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage-Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in the Asset Matrix.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Price Percentage - Total</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Purchased Mortgage Loan, the sum of (a) the Purchase Price Percentage-Base, plus (b) the Purchase Price Percentage-Incremental 1 plus (c) the Purchase Price Percentage-Incremental 2.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchased Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the collective reference to Purchased Mortgage Loans together with the Repurchase Assets related to such Purchased Mortgage Loans transferred by Seller to Administrative Agent for the benefit of Buyers in a Transaction hereunder and&#47;or listed on the related Asset Schedule attached to the related Transaction Request, which such Asset Files the Custodian has been instructed to hold for the benefit of Administrative Agent pursuant to the Custodial Agreement until such asset has been repurchased by Seller in accordance with the terms of this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Purchased Mortgage Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each Mortgage Loan and the Servicing Rights and Asset Documents related to such Mortgage Loan transferred by Seller to Administrative Agent for the benefit of Buyers in a Transaction hereunder, listed on the related Asset Schedule attached to the related Transaction Request, which such Mortgage Loans the Custodian has been instructed to hold pursuant to the Custodial Agreement until such asset has been repurchased by Seller in accordance with the terms of this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Qualified Insurer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an insurance company duly authorized and licensed where required by law to transact insurance business and approved as an insurer by Fannie Mae or Freddie Mac or GNMA, as applicable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Qualified Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan which is a &#8220;Qualified Mortgage&#8221; as defined in 12 CFR 1026.43(e). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Qualified Originator</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an originator of Mortgage Loans which is acceptable under the Underwriting Guidelines. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Recognition Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, an agreement among a Co-op Corporation, a lender and a Mortgagor with respect to a Co-op Loan whereby such parties (i) acknowledge that such lender may make, or intends to make, such Co-op Loan, and (ii) make certain agreements with respect to such Co-op Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Records</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means all instruments, agreements and other books, records, and reports and data generated by other media for the storage of information maintained by Seller, Servicer or any other person or entity with respect to a Purchased Asset.  Records shall include the Mortgage Notes, any Mortgages, the Asset Files and the credit files, in each case, related to the Purchased Asset and any other instruments necessary to document or service a Purchased Mortgage Loan.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 23 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Reference Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Daily Simple SOFR, or a Successor Rate pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Register</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Relevant Governmental Body</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Reserve Board and&#47;or the Federal Reserve Bank of New York, or a committee officially endorsed or convened by the Federal Reserve Board and&#47;or the Federal Reserve Bank of New York, or any successor of any of the foregoing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remittance Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means such date as mutually agreed to by Seller and Administrative Agent. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remittance Report Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to each Pricing Period, the close of business on the final day of such Pricing Period, or the next succeeding Business Day, if such calendar day shall not be a Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">REO Property</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means real property acquired through foreclosure of a Purchased Mortgage Loan or by deed in lieu of such foreclosure.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledge Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 18</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledgee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means each Repledgee identified by the Administrative Agent from time to time pursuant to the Administration Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Reporting Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the fifteenth (15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) calendar day of each month or, if such day is not a Business Day, the next succeeding Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned thereto in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;8</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the earlier of (a) the Termination Date, (b) the date requested pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> the date determined by application of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Price</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the price at which Purchased Assets are to be transferred from the Administrative Agent for the benefit of Buyers to Seller upon termination of a Transaction, which will be determined in each case (including Transactions terminable upon demand) as the sum of the Purchase Price for such Purchased Assets and the accrued but unpaid Price Differential relating to such Purchased Assets as of the date of such determination.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Request for Certification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a notice sent to the Custodian reflecting the sale of one or more Purchased Mortgage Loans to Administrative Agent for the benefit of Buyers hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Requirement of Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Person, any law, treaty, rule or regulation or determination of an arbitrator, a court or other governmental authority, applicable to or binding upon such Person or any of its property or to which such Person or any of its property is subject.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 24 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Responsible Officer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means as to any Person, the chief executive officer or, with respect to financial matters, the chief financial officer of such Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">S&#38;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">P&#8221; means Standard &#38; Poor&#8217;s Ratings Services, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Scratch and Dent Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a first lien Mortgage Loan that </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SEC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Securities and Exchange Commission, or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Second Lien &#8211; Prime</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Second Lien Mortgage Loan that has (a) a CLTV of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or less and (b) a FICO score of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or greater. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Second Lien &#8211; Standard</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Second Lien Mortgage Loan that has (a) a CLTV greater than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and not to exceed </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or (b) a FICO score less than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Second Lien Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a closed-end Mortgage Loan secured by a second lien on the related Mortgaged Property.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means loanDepot.com, LLC or its permitted successors and assigns.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned thereto in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8.a(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means Seller and any other servicer or subservicer approved by Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to Purchased Mortgage Loans serviced by any third party Servicer, the account as identified in the related Servicing Agreement into which such Servicer deposits Income and related collections.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer Advance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Delinquency Advance or a Protective Advance.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicer Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the notice acknowledged by Servicer (if Servicer is not Seller) or, with respect Early Buyout Loans, in such form as mutually agreed to by Seller and Administrative Agent, in each case, as the same may be amended, restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicing Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any servicing agreement entered into between Seller and Servicer (if Servicer is not Seller), as the same may be amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Servicing Rights</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means rights of any Person to administer, service or subservice, the Purchased Mortgage Loans or to possess related Records.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Settlement Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Transaction the subject of which is a Wet-Ink Mortgage Loan, the entity approved by Administrative Agent, in its sole good-faith discretion, which may be a title company, escrow company or attorney in accordance with local law and practice in the jurisdiction where the related Wet-Ink Mortgage Loan is being originated.  </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 25 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">A Settlement Agent is deemed approved unless Administrative Agent notifies Seller otherwise at any time electronically or in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Severance Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Simultaneously Funded Early Buyout Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an Early Buyout which Seller intends to be repurchased from GNMA substantially concurrently with the funding of the related Transaction hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SIPA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Securities Investor Protection Act of 1970, as amended from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any SOFR Business Day, a rate per annum equal to the secured overnight financing rate for such SOFR Business Day published by the SOFR Administrator on the SOFR Administrator&#8217;s Website at approximately 8</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> on the immediately succeeding SOFR Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR Administrator</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Federal Reserve Bank of New York (or any successor administrator of the secured overnight financing rate).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR Administrator&#8217;s Website</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the SOFR Administrator&#8217;s website, currently at http&#58;&#47;&#47;www.newyorkfed.org, or any successor source for the secured overnight financing rate identified as such by the SOFR Administrator from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">SOFR Business Day</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a day on which banks are open for dealing in foreign currency and exchange in London, New York City and Washington, D.C.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">State Agency Program Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a mortgage loan originated or acquired by Seller in accordance with the applicable guidelines of, and in anticipation of sale to, the state housing authorities in Acceptable States and as approved by Administrative Agent in writing in its sole discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Statement Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; shall have the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Stock Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Co-op Loan, the certificates evidencing ownership of the Co-op Shares issued by the Co-op Corporation.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Stock Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to a Co-op Loan, an assignment of the Stock Certificate or an assignment of the Co-op Shares issued by the Co-op Corporation.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Subservicer Field</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, the field entitled, &#8220;Subservicer&#8221; in the MERS eRegistry. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Subsidiary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Person, any corporation, limited liability company, partnership or other entity of which at least a majority of the securities or other ownership interests having by the terms thereof ordinary voting power to elect a majority of the board of directors or other persons performing similar functions of such corporation, partnership </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 26 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">or other entity (irrespective of whether or not at the time securities or other ownership interests of any other class or classes of such corporation, partnership or other entity shall have or might have voting power by reason of the happening of any contingency) is at the time directly or indirectly owned or controlled by such Person or one or more Subsidiaries of such Person or by such Person and one or more Subsidiaries of such Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Successor Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a rate determined by Administrative Agent in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Successor Rate Conforming Changes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means with respect to any proposed Successor Rate, any technical, administrative or operational change (including any change to the timing and frequency of determining rates and making payments of interest, timing of borrowing requests or prepayment, conversion or continuation notices, length of lookback periods, the applicability of breakage provisions, and other technical, administrative or operational matters) that the Administrative Agent decides, in its sole good faith discretion, may be appropriate to reflect the adoption and implementation of such Successor Rate and to permit the administration thereof by the Administrative Agent in a manner substantially consistent with market practice (or, if the Administrative Agent decides that adoption of any portion of such market practice is not administratively feasible or if the Administrative Agent determines that no market practice for the administration of such Successor Rate exists, in such other manner of administration as the Administrative Agent decides, in its sole good faith discretion, is reasonably necessary in connection with the administration of this Agreement or any other Program Agreement). </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Take-out Commitment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a commitment of Seller to either (a) sell one or more identified Mortgage Loans to a Take-out Investor or (b) (i) swap one or more identified Mortgage Loans with a Take-out Investor that is an Agency for an Agency Security, and (ii) sell the related Agency Security to a Take-out Investor, and in each case, the corresponding Take-out Investor&#8217;s commitment back to Seller to effectuate any of the foregoing, as applicable. With respect to any Take-out Commitment with an Agency, the applicable agency documents list Administrative Agent or such other Person as required under the Intercreditor Agreement or Joint Securities Account Control Agreement as sole subscriber. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Take-out Investor</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means (a) an Agency or (b) any other institution which has made a Take-out Commitment and has been approved by Administrative Agent for the benefit of Buyers. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Tax Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means distributions by the Seller for the purpose of enabling LD</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Holdings to make Tax Distributions, as defined and set forth in the limited liability company agreement of LD Holdings. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means any and all present or future taxes (including social security contributions and value added taxes), levies, imposts, duties (including stamp duties), deductions, charges (including ad valorem charges), withholdings (including backup withholding), assessments, fees or other charges of any nature whatsoever imposed by any Governmental Authority, including any interest, additions to tax or penalties applicable thereto.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 27 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Termination Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Third Party Evaluator</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an appraiser approved by Administrative Agent in its sole good faith discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">TILA-RESPA Integrated Disclosure Rule</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Truth-in-Lending Act and Real Estate Settlement Procedures Act Integrated Disclosure Rule, adopted by the Consumer Finance Protection Bureau, which is effective for residential mortgage loan applications received on or after October 3, 2015.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transaction Request</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a request via email from Seller to Administrative Agent notifying Administrative Agent that Seller wishes to enter into a Transaction hereunder and that indicates that it is a Transaction Request under this Agreement. For the avoidance of doubt, a Transaction Request may refer to multiple Mortgage Loans&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> that each Mortgage Loan shall be deemed to be subject to its own Transaction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Controller of such eNote. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Control and Location</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Controller and Location of such eNote. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Location</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Location of such eNote. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer of Servicing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a MERS eRegistry transfer transaction used to request a change to the current Master Servicer Field or Subservicer Field of such eNote.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Transferable Record</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means an Electronic Record under E-SIGN and UETA that (i) would be a note under the Uniform Commercial Code if the Electronic Record were in writing, (ii) the issuer of the Electronic Record has expressly agreed is a &#8220;transferable record&#8221;, and (iii) for purposes of E-SIGN, relates to a loan secured by real property. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Trust Receipt</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Transaction as of any date, a receipt in the form attached as an exhibit to the Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">UETA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform State Laws at its Annual Conference on July 29, 1999. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Unauthorized Master Servicer or Subservicer Modification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to an eNote, a Transfer of Location, Transfer of Servicing or a change in any other information, status or data, including, without limitation, a change of the Master Servicer Field or Subservicer Field </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 28 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">with respect to such eNote on the MERS eRegistry, initiated by the Seller, any Servicer or a vendor.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the standards, procedures and guidelines of the Seller for underwriting and acquiring Mortgage Loans, which are set forth in the written policies and procedures of the Seller, a copy of which have been provided to Administrative Agent and such other guidelines as are identified to Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Uniform Commercial Code</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">UCC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the Uniform Commercial Code as in effect on the date hereof in the State of New&#160;York or the Uniform Commercial Code as in effect in the applicable jurisdiction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">USDA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the United States Department of Agriculture or any successor thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">USDA Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a first lien Mortgage Loan guaranteed by and originated in accordance with the criteria established by the USDA pursuant to the </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">USDA Rural Development Guaranteed Housing Loan Program</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">U.S. Tax Compliance Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)(ii)(B) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the U.S. Department of Veterans Affairs, an agency of the United States of America, or any successor thereto including the Secretary of Veterans Affairs.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Approved Lender</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a lender which is approved by the VA to act as a lender in connection with the origination of VA Loans.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan which is the subject of a VA Loan Guaranty Agreement as evidenced by a loan guaranty certificate, or a Mortgage Loan which is a vender loan sold by the VA.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Loan Guaranty Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the obligation of the United States to pay a specific percentage of a Mortgage Loan (subject to a maximum amount) upon default of the Mortgagor pursuant to the Servicemen&#8217;s Readjustment Act, as amended.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">VA Regulations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the regulations promulgated by the U.S. Department of Veterans Affairs and codified in 38 Code of Federal Regulations, and other U.S. Department of Veterans Affairs issuances relating to VA Loans, including the related handbooks, circulars, notices and mortgagee letters.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Value Reduction Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Warehouse Electronic System</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means the system utilized by or Administrative Agent either directly, or through its vendors, and which may be accessed by Seller in connection with delivering and obtaining information and requests in connection with the Program Agreements. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 29 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Wet-Ink Delivery Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; has the meaning assigned to such term in the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Wet-Ink Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means, with respect to any Wet-Ink Mortgage Loan, the (a) Transaction Request and (b) the Asset Schedule.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Wet-Ink Mortgage Loan</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; means a Mortgage Loan (other than an Early Buyout Loan) which Seller is selling to Administrative Agent for the benefit of a Buyer simultaneously with the origination thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i8b50eee3bf5c47cab2bd3adeb18c74d5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Program&#59; Initiation of Transactions</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">From time to time, in the sole discretion of Buyers, Administrative Agent (for the benefit of Buyers) may facilitate the purchase by Buyers from Seller of certain Mortgage Loans that have been originated and&#47;or purchased by Seller.  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">This Agreement is not a commitment by Administrative Agent on behalf of Buyers to enter into Transactions with Seller but rather sets forth the procedures to be used in connection with periodic requests for Buyers or Administrative Agent on behalf of Buyers to enter into Transactions with Seller.  Seller hereby acknowledges that Administrative Agent on behalf of Buyers is under no obligation to agree to enter into, or to enter into, any Transaction pursuant to this Agreement. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">All Purchased Mortgage Loans shall exceed or meet the Underwriting Guidelines, and shall be serviced by Seller or Servicer, as applicable.  The sum of the aggregate outstanding Purchase Price-Base, Purchase Price-Incremental 1 and Purchase Price-Incremental 2 shall not exceed the Maximum Available Purchase Price</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Seller shall request that Administrative Agent enter into a Transaction by delivering (i) to Administrative Agent, a Transaction Request (A) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">and (ii) to Administrative Agent and Custodian an Asset Schedule in accordance with the Custodial Agreement. In the event the Asset Schedule provided by Seller contains erroneous computer data, is not formatted properly or the computer fields are otherwise improperly aligned, Administrative Agent shall provide written or electronic notice to Seller describing such error and Seller shall correct the computer data, reformat or properly align the computer fields itself and resubmit the Asset Schedule as required herein.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">With respect to any eMortgage Loan, Seller shall deliver to Custodian each of Administrative Agent&#8217;s and Seller&#8217;s MERS Org IDs, and shall cause (i) the Authoritative Copy of the related eNote to be delivered to the eVault via a secure electronic file, (ii) the Controller status of the related eNote to be transferred to Administrative Agent&#8217;s MERS Org ID and the eNote Secured Party status of the related eNote is blank, (iii) the Location status of the related eNote to be transferred to Custodian, (iv) the Master Servicer Field status of the related eNote shall reflect the MERS Org ID of Seller, (v) the Subservicer </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 30 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Field status of the related eNote to be (x) if there is a third-party subservicer, such subservicer&#8217;s MERS Org ID or (y) if there is not a subservicer, blank and (vi) the Delegatee status of the related eNote to be transferred to Custodian reflects Custodian&#8217;s MERS Org ID, in each case using MERS eDelivery and the MERS eRegistry (collectively, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">eNote Delivery Requirements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">With respect to a Simultaneously Funded Early Buyout Loan for which Seller has submitted a Transaction Request, provided that the GNMA Haircut Amount has been remitted to the Administrative Agent, Administrative Agent shall remit the purchase price due to GNMA for such Simultaneously Funded Early Buyout Loan to the general payment clearing account of Servicer. Within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, Seller shall cause Servicer to (i) segregate and remit such purchase price to the custodial account held for the Seller and (ii) report to GNMA that such Simultaneously Funded Early Buyout Loan has been repurchased from GNMA.  In the event that Servicer fails to repurchase such Simultaneously Funded Early Buyout Loan, Seller shall cause Servicer to remit the Purchase Price for such Simultaneously Funded Early Buyout Loan to the account set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 9</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">following the related Purchase Date.  Notwithstanding the foregoing, when a Simultaneously Funded Early Buyout Loan is repurchased, the Purchase Date hereunder shall be deemed the date of remittance of proceeds by Administrative Agent to Servicer. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Upon the satisfaction of the applicable conditions precedent set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;10</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, all of Seller&#8217;s interest in the Repurchase Assets shall pass to Administrative Agent on behalf of Buyers on the Purchase Date, against the transfer of the Purchase Price to Seller.  Upon transfer of the Purchased Assets to Administrative Agent on behalf of Buyers as set forth in this Section and until termination of any related Transactions as set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Sections&#160;4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement, ownership of each Purchased Asset, including each document in the related Asset File and Records, is vested in the Buyers identified under the Administration Agreement&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, prior to the recordation, record title shall be retained by the Seller, in trust, for the benefit of Buyers, for the sole purpose of facilitating the servicing and the supervision of the servicing of the Mortgage Loans. For the avoidance of doubt, the parties acknowledge and agree that the Purchased Assets shall be held by the Administrative Agent for the benefit of Buyers, as more particularly set forth in the Administration Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt">On each Purchase Date, Administrative Agent shall allocate the Purchase Price for such Purchased Mortgage Loan among the Purchase Price-Base, Purchase Price-Incremental 1 and Purchase Price-Incremental 2 according to the Allocated Percentages attributable thereto. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">With respect to each Wet-Ink Mortgage Loan, by no later than the Wet-Ink Delivery Date, Seller shall cause the related Settlement Agent to deliver to the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 31 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">applicable Custodian the remaining documents in the Asset File as more particularly set forth in the related Custodial Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i726c5fc16ce747aeae917f9233c82079"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Repurchase</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i32d814f92fa543d199040570caf12e3d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Seller shall repurchase the related Purchased Assets from Administrative Agent for the benefit of Buyers on each related Repurchase Date.  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 Administrative Agent shall be applied to reduce the Repurchase Price for such Purchased Mortgage Loan on each Payment Date except as otherwise provided herein).  Seller is obligated to repurchase and take physical possession of the Purchased Assets and related Asset Files from Administrative Agent or its designee (including the Custodian) at Seller&#8217;s expense on the related Repurchase Date.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i3fafe4ab72b945698ff9bf00581eea32"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Provided that no Default shall have occurred and is continuing, and Administrative Agent has received the related Repurchase Price (excluding accrued and unpaid Price Differential, which, for the avoidance of doubt, shall be paid on the next succeeding Payment Date) upon repurchase of the Purchased Assets, Administrative Agent and Buyers will each be deemed to have released their respective interests hereunder in the Purchased Assets (and the Repurchase Assets related thereto) at the request of Seller.  The Purchased Assets (and the Repurchase Assets related thereto) shall be delivered to Seller free and clear of any lien, encumbrance or claim of Administrative Agent or the Buyers, and the Administrative Agent shall execute and deliver such terminations and releases as the Seller may reasonably request to evidence the foregoing. With respect to payments in full by the related Mortgagor of a Purchased Mortgage Loan, Seller agrees to promptly remit (or cause to be remitted) to Administrative Agent for the benefit of Buyers the Repurchase Price with respect to such Purchased Mortgage Loan.  Administrative Agent and Buyers agree to release their respective interests in Purchased Mortgage Loans which have been prepaid in full after receipt of evidence of compliance with the immediately preceding sentence. </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ied999a38c49c480bb6c6fc0d9febf1e3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Prior to an Early Buyout Loan becoming a real estate owned property, Seller shall (i) notify Administrative Agent in writing that such Early Buyout Loan shall become a real estate owned property and (ii) the Asset Value on account of the related Early Buyout Loan shall be decreased to zero and Seller shall immediately repurchase such Early Buyout Loan prior to the conversion of the Early Buyout Loan to a real estate owned property. </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ifbed27f6f937477ea01e858b3a5138bf"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">With respect to any Purchased Mortgage Loan, Administrative Agent shall allocate any Repurchase Price in respect thereof </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(x) prior to an Event of Default, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> among</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> the Purchase Price-Base, Purchase Price-Incremental 1 and Purchase Price-Incremental 2 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">based upon the Allocated Percentage of each</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and (y) on and after an Event of Default, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">first</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Buyers of the Purchase Price-Base </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 32 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">until all Obligations in respect of the Purchase Price-Base are reduced to zero, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">second</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Purchase Price-Incremental 1 until all Obligations in respect of the Purchase Price-Incremental 1 are reduced to zero and </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">third</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Purchase Price-Incremental 2 until all Obligations in respect of the Purchase Price-Incremental 2 are reduced to zero.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="icb20b7dc2cc4488b8de152fe20a12679"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Price Differential.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">On each Business Day that a Transaction is outstanding, the Pricing Rate shall be reset and, unless otherwise agreed, the accrued and unpaid Price Differential for the preceding Pricing Period shall be settled in cash on each related Payment Date.  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, Administrative Agent shall give Seller written or electronic notice of the amount of the Price Differential due on such Payment Date.  On the Payment Date, Seller shall pay to Administrative Agent the Price Differential for the benefit of Buyers for such Payment Date (along with any other amounts then due and owing pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Sections 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">36</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof and Section 3 of the Pricing Side Letter), by wire transfer in immediately available funds. Prior to the occurrence and continuance of an Event of Default, the Administrative Agent shall apply all payments of Price Differential in respect of any Purchased Mortgage Loan </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> among the Price Differential-Base, the Price Differential-Incremental 1 and the Price Differential-Incremental 2 based upon the Allocated Percentage of each.  O</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">n and after an Event of Default, any application of Price Differential will </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">first</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> be attributed to the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Price Differential-Base</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> then due and owing until reduced to zero, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">second</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Price Differential-Incremental 1 then due and owing until reduced to zero and </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">third</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to the Price Differential-Incremental 2 then due and owing until reduced to zero</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">If Seller fails to pay all or part of the Price Differential by 3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, with respect to any Purchased Asset, Seller shall be obligated to pay to Administrative Agent for the benefit of Buyers (in addition to, and together with, the amount of such Price Differential) interest on the unpaid Repurchase Price at a rate per annum equal to the Post-Default Rate until the Price Differential is received in full by Administrative Agent for the benefit of Buyers.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">If prior to any Payment Date, Administrative Agent determines in its sole good faith discretion that, by reason of circumstances affecting the relevant market, (i) adequate and reasonable means do not exist for ascertaining the Reference Rate&#59; (ii) the Reference Rate is no longer in existence&#59; (iii) continued implementation of the Reference Rate is no longer operationally, administratively or technically feasible or no significant market practice for the administration of the Reference Rate exists, (iv) the Reference Rate will not adequately and fairly reflect the cost to Administrative Agent and Buyers of purchasing or maintaining Transactions or (v) the administrator of the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 33 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Reference Rate or a Governmental Authority having jurisdiction over Administrative Agent has made a public statement identifying a specific date after which the Reference Rate shall no longer be made available or used for determining the interest rate of loans, Administrative Agent may give prompt written notice (which may be delivered via email) thereof to Seller, whereupon the rate for such period that will replace the Reference Rate for such period, and for all subsequent periods until such notice has been withdrawn by Administrative Agent, shall be the greater of (x) an alternative benchmark rate (including any mathematical or other adjustments to the benchmark rate (if any) incorporated therein) and (y) zero, together with any proposed Successor Rate Conforming Changes, as determined by Administrative Agent in its sole good faith discretion (any such rate, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Successor Rate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">To the extent Administrative Agent implements a Successor Rate and Successor Rate Conforming Changes it will promptly notify Seller of the effectiveness of any such changes.  Any determination of a Successor Rate and the adoption of Successor Rate Conforming Changes shall be made by Buyer in a manner substantially consistent with market practice with respect to similarly situated counterparties with substantially similar assets in similar facilities and any such Successor Rate Conforming Changes will become effective without any further action or consent of Seller to this Agreement or the other Program Agreements. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i47516dbe7e364a7cb4f699e80901f9e6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Margin Maintenance&#59; Reallocation of Purchase Price</font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">If at any time the outstanding Purchase Price of any Purchased Mortgage Loan subject to a Transaction is greater than the Asset Value of such Purchased Mortgage Loan subject to a Transaction (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deficit</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), then Administrative Agent may by notice to Seller require Seller to transfer to Administrative Agent for the benefit of Buyers cash in an amount at least equal to the Margin Deficit (such requirement, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;). </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Notice delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above may be given by any written or electronic means.  Any notice given before </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall be met, and the related Margin Call satisfied, no later </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; notice given after </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">be met, and the related Margin Call satisfied, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(the foregoing time requirements for satisfaction of a Margin Call are referred to as the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Margin Deadlines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).  The failure of Administrative Agent, 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 Administrative Agent to do so at a later date.  Seller and Administrative Agent each agree that a failure or delay by Administrative Agent to exercise its rights hereunder shall not limit or waive </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 34 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent&#8217;s or Buyers&#8217; rights under this Agreement or otherwise existing by law or in any way create additional rights for Seller. </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">In the event that a Margin Deficit exists with respect to any Purchased Asset, Administrative Agent may retain any funds received by it to which the Seller would otherwise be entitled hereunder, which funds (i) shall be held by Administrative Agent against the related Margin Deficit and (ii) may be applied by Administrative Agent against the Repurchase Price of any Purchased Asset for which the related Margin Deficit remains otherwise unsatisfied.  Notwithstanding the foregoing, the Administrative Agent retains the right, in its sole discretion, to make a Margin Call in accordance with the provisions of this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i46e61cac5a4b4adcba84627488731689"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Income Payments </font></div><div style="padding-left:72pt;text-align:justify"><font id="ibe4e2834166d427cb2e9b6d6b5390b4e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">If Income is paid in respect of any Purchased Mortgage Loan during the term of a Transaction, such Income shall be held in trust for the Administrative Agent and Buyers and shall constitute the property of the applicable Buyers except for tax purposes as to which it shall be treated as income and property of Seller.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ibf40dd26fd3d463083f6b4b5715aa4a9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Seller shall and to the extent it engages a third-party Servicer shall cause such Servicer to deposit all Income with respect to Purchased Mortgage Loans into the related Servicer Account, as applicable, in accordance with the applicable Servicing Agreement and Servicer Notice. </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i53225b4274bc45319edf0d92d64d2c99"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Provided no Event of Default has occurred and is continuing, and the Price Differential has been paid to Administrative Agent for the benefit of Buyers in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, Seller shall be entitled to the remittance of all Income related to Purchased Mortgage Loans to the full extent it would have been so entitled if the Purchased Mortgage Loans had not been sold to Administrative Agent for the benefit of Buyers </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i3c8d63617c8549af9c2dcc5c921a688e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent shall immediately apply any such amount received by Buyers or the Administrative Agent to reduce the amount of the Repurchase Price due upon termination of the related Transaction.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="idffa57c798404e10829ccfd77f3bba39"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Provided that no Event of Default has occurred and is continuing, on each Repurchase Date, Administrative Agent shall remit any Income received with respect to the Purchased Mortgage Loans as follows&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="ib4a1178d43d646b3aa34cdfa7f2f8f9d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">first, to Administrative Agent, for the benefit of the applicable Buyers, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, in reduction of the Repurchase Price of any liquidation, pay-off or repurchase of any Purchased Mortgage Loan up to the amount advanced by Administrative Agent on behalf of Buyers as set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof&#59;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 35 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i479af26380154c9eb635126637f833e5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">second, without limiting the rights of Administrative Agent under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, to Administrative Agent for the benefit of Buyers, in the amount of any unpaid Margin Deficit&#59; </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i845ae1b5feff41c188a269fb613259e2"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">third, to the payment of all other Obligations then due and owing to Administrative Agent and Buyers in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i57be957f9000404b8cf7fe766605261d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fourth, to, or at the direction of Seller, any remaining amounts.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="id6243e24e6a84653b1439757ce422bbf"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.01pt">Provided that </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">no Event of Default has occurred and is continuing, on each Payment Date, Administrative Agent shall remit any Income received with respect to the Purchased Mortgage Loans as follows</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="ia1c4aeb419ff43c6ad1414d1c26f9207"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt"> first, to Administrative Agent, for the benefit of Buyers, in the order of priority as determined in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.a</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, in payment of any accrued and unpaid Price Differential to the extent not paid by Seller to Administrative Agent pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i2234952a03a041b7a456789412d568c1"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">second, to Administrative Agent, for the benefit of the applicable Buyers, in the order of priority as determined in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, in reduction of the Repurchase Price of any liquidation, pay-off or repurchase of any Purchased Mortgage Loan up to the amount advanced by Administrative Agent on behalf of Buyers&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i858bbe8a85d84d1eb8d8058587edd746"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">third, without limiting the rights of Administrative Agent under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, to Administrative Agent for the benefit of Buyers, in the amount of any unpaid Margin Deficit&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i75c151fd23c54a28a9036dd3102a11e0"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fourth, to the payment of all other Obligations then due and owing to Administrative Agent and Buyers in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i63ddb04cff1244f082be664d35e12b50"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fifth, to, or at the direction of Seller, any remaining amounts.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ifdbcdd9f01be41429fedbb3752de463f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">On </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">the Termination Date or upon the occurrence and during the continuation of an Event of Default, all Income received with respect to the Purchased Mortgage Loans shall be allocated as directed by Administrative Agent as follows</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i6135e57f28ab4fbebe75328b74bb4678"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">first, pro rata, to each Servicer and Custodian in payment of any fees and expenses due and owing to the extent not otherwise paid pursuant to the terms of the applicable Servicing Agreement and Custodial Agreement&#59;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 36 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="if0d42808ef42420187512cd8a2cbcc84"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">second, to Administrative Agent in payment of any accrued and unpaid Price Differential, to the extent not paid by the Seller to Administrative Agent pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="if8c50fd5beb94990a4a2a1aed4ee0cc6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">third, to Administrative Agent, for the benefit of the applicable Buyers, in reduction of the Repurchase Price of all Purchased Assets and in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i31698dc13e1a480b8aab25407f9269b2"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fourth, to the payment of all other Obligations until paid in full and in the order of priority set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.d</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:72pt"><font id="i66f69f5d171f4e469fc0bae5bf0441b7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.01pt">fifth, to, or at the direction of Seller, any remaining amounts.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i15a0311073b54716b0d3b8276535329a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">To the extent that Administrative Agent receives any funds from a Take-out Investor with respect to the purchase by such Take-out Investor of a Purchased Asset, the Administrative Agent shall promptly apply such funds to the Repurchase Price of the Purchased Asset purchased by such Take-out Investor and shall promptly remit any excess to the applicable Seller.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i7f32d316188e4f9abf7e2eb162f58296"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.67pt">Reserved.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="iafb06589efbd4f2da941f6f084e04b49"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.67pt">With respect to each Early Buyout Loan, the Seller shall be listed as the mortgagee of record and shall deposit all claims submitted on account such Early Buyout Loans into the payee account (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Clearing Account</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and shall transfer (or cause to be transferred) all such amounts </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall remit </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. To the extent HUD deducts any amounts owing by the Seller to HUD, which are not attributable to the Early Buyout Loans, the Seller shall remit, within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> following receipt of notice or knowledge of such deduction, such deducted amounts into the Collection Account (provided that, to the extent the Collection Account is not opened, to the Program Account). </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ic80f8beb713a4ed6ae734ce18f704390"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Provided no Event of Default has occurred and is continuing, on each Payment Date, Seller shall remit to Administrative Agent for the benefit of Buyers an amount equal to the Price Differential in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement.</font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i5f41f31c5223483caf3a74f211a533a8"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Security Interest</font></div><div style="padding-left:72pt;text-align:justify"><font id="id315dc4b43944ef5aeb4f41281f465c9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt;text-decoration:underline">Conveyance&#59; Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font id="ia2a8e488f04a465391ae8f28466d7f35"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">On each Purchase Date, Seller hereby sells, assigns and conveys all rights and interests in the Purchased Assets identified on the related Asset Schedule, including related Servicing Rights and Asset Documents, and the Repurchase Assets to Administrative Agent for the benefit of Buyers.  Although the parties intend that all Transactions hereunder be sales and </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 37 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">purchases and not loans, in the event any such Transactions are deemed to be loans, and in any event, Seller hereby pledges to Administrative Agent as security for the performance by Seller of the Obligations and hereby grants, assigns and pledges to Administrative Agent a fully perfected first priority security interest (in each case, to the extent a security interest may be perfected by possession, control or filing of a UCC financing statement) in the Purchased Assets, including related Servicing Rights and Asset Documents related to such Purchased Assets, the Servicer Advances related to such Purchased Assets, all debenture interests payable by HUD on account of any Early Buyout Loan which constitutes a Purchased Asset, any Agency Security or right to receive such Agency Security when issued to the extent backed by any of the Purchased Assets, the Records related to the Purchased Assets, the Program Agreements (to the extent such Program Agreements and Seller&#8217;s rights thereunder relate to the Purchased Assets), any related Take-out Commitments related to such Purchased Assets, any Property relating to the Purchased Assets, all insurance policies and insurance proceeds relating to any Purchased Asset or the related Mortgaged Property, including, but not limited to, any payments or proceeds under any related primary insurance, hazard insurance and FHA Mortgage Insurance Contracts and VA Loan Guaranty Agreements (if any), Income related to such Purchased Assets, the Collection Account, Interest Rate Protection Agreements related to such Purchased Assets, deposit accounts or securities accounts related to the Purchased Assets (including any interest of Seller in escrow accounts) and any other contract rights, instruments, deposit accounts or securities accounts, payments, rights to payment (including payments of interest or finance charges), general intangibles and other assets, in each case, relating to the Purchased Assets and any proceeds (including the related securitization proceeds) and distributions with respect to any of the foregoing, whether now owned or hereafter acquired, now existing or hereafter created in each case excluding any Take-out Commitments and Interest Rate Protection Agreements to the extent Seller may not, pursuant to the provisions thereof, assign or transfer, or pledge or grant a security interest in, such Take-out Commitments or Interest Rate Protection Agreements without the consent of, or without violating its obligations to, the related Take-out Investor or counterparty to such Interest Rate Protection Agreement, but only to the extent such provisions are not rendered ineffective against the Administrative Agent under Article 9, Part 4 of the Uniform Commercial Code (collectively, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Seller Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; and together with the Additional Collateral, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repurchase Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="padding-left:126pt;text-align:justify;text-indent:-9pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font id="i696216167b0d4ff995b32ce2a84037d6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent and Seller hereby agree that in order to further secure Seller&#8217;s Obligations hereunder, Seller hereby grants to Administrative Agent, for the benefit of Buyers, a security interest in (i) any &#8220;Repurchase Assets&#8221; as such term is defined in the Funding 2 Repo Agreement that are otherwise deliverable to Seller thereunder and to the extent all obligations then due and owing under the Funding 2 Repo Agreement have been paid in full&#59; (ii) Seller&#8217;s rights under the Funding 2 Repo Agreement, including, without limitation, any rights to receive payments thereunder or any rights to collateral thereunder whether now owned or hereafter acquired, now existing or hereafter created, and (iii) all collateral however defined or described under the Funding 2 Repo Agreement to the extent not otherwise included under the definition of Repurchase Assets therein, in all instances, whether now owned or hereafter acquired, now existing or hereafter created (collectively, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Collateral</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="text-align:justify"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 38 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Servicing Rights</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller acknowledges that it has no rights to service the Purchased Mortgage Loans except to the extent set forth in this Agreement, the Servicer Notice or the Servicing Agreement.  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 Administrative Agent a security interest in the Servicing Rights related to the Purchased Assets and proceeds related thereto and in all instances, whether now owned or hereafter acquired, now existing or hereafter created.  The foregoing provision is intended to constitute a security agreement or other arrangement or other credit enhancement related to this Agreement and Transactions hereunder as defined under Sections 101(47)(A)(v) and 741(7)(A)(xi) of the Bankruptcy Code.</font></div><div style="padding-left:36pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Financing Statements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller agrees to execute, deliver and&#47;or file such documents and perform such acts as may be reasonably necessary to fully perfect (in each case, to the extent a security interest may be perfected by possession, control or filing of a UCC financing statement) Administrative Agent&#8217;s security interest created hereby.  Furthermore, Seller hereby authorizes the Administrative Agent to file financing statements relating to the Seller Repurchase Assets, as the Administrative Agent, at its option, may deem appropriate.  The Seller shall pay the filing costs for any financing statement or statements prepared pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Power of Attorney</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  In addition to the foregoing, Seller agrees to execute a Power of Attorney, in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, to be delivered on the date hereof which may be used only in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 28</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="padding-left:36pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Intent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The foregoing provisions in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> are intended to constitute a security agreement or other arrangement or other credit enhancement related to this Agreement and Transactions hereunder as defined under Sections 1001(47)(A)(v) and 741(7)(A)(xi) of the Bankruptcy Code.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i0600b59471114c6697fc5a238e074d13"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Payment and Transfer</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Unless otherwise mutually agreed in writing or as otherwise set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, 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 Administrative Agent in the Program Account.  Seller acknowledges that it has no rights of withdrawal from the Program Account.  All Purchased Assets transferred by one party hereto to the other party shall be in the case of a purchase by a Buyer in suitable form for transfer or shall be accompanied by duly executed instruments of transfer or assignment in blank and such other documentation as Administrative Agent may reasonably request.  All Purchased Assets shall be evidenced by a Trust Receipt.  Any Repurchase Price received by Administrative Agent after </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 39 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i5e7416bbbbd94858b2a1e4fd384d93ec"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">10.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Conditions Precedent</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Initial Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. As conditions precedent to the initial Transaction, Administrative Agent shall have received on or before the day of such initial Transaction the following, in form and substance satisfactory to Administrative Agent and duly executed by Seller and each other party thereto&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Program Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Program Agreements (with the exception of the Collection Account Control Agreement pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 10.b(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> below) duly executed and delivered by the parties thereto and being in full force and effect, free of any modification, breach or waiver.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Evidence that all other actions necessary or, in the opinion of Administrative Agent, desirable to perfect and protect Administrative Agent&#8217;s and Buyers&#8217; interest in the Purchased Assets and other Repurchase Assets have been taken, including, without limitation, duly authorized and filed Uniform Commercial Code financing statements on Form UCC-1.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Organizational Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A certificate of the corporate secretary or other authorized person of Seller substantially in form and substance acceptable to Administrative Agent in its sole good faith discretion, attaching certified copies of Seller&#8217;s organizational documents and resolutions approving the Program Agreements and transactions thereunder (either specifically or by general resolution) and all documents evidencing other necessary corporate action or governmental approvals as may be required in connection with the Program Agreements.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Good Standing Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A certified copy of a good standing certificate from the jurisdiction of organization of Seller, dated as of no earlier than the date </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">prior to the Purchase Date with respect to the initial Transaction hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Incumbency Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An incumbency certificate of the corporate secretary or other authorized person of Seller, certifying the names, true signatures and titles of the representatives duly authorized to request transactions hereunder and to execute the Program Agreements.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Opinion of Counsel</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An opinion of Seller&#8217;s counsel, as to such matters as Administrative Agent may request and in form and substance acceptable to Administrative Agent in its sole discretion, including, without limitation, with respect to the non-contravention, enforceability and corporate opinions with respect to Seller, including an opinion in form and substance reasonably acceptable to Administrative Agent on behalf of Buyers, indicating </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 40 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">that as of the date hereof, Seller is not required to register as an &#8220;investment company,&#8221; as such term is defined in the Investment Company Act.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Other than underwriting guidelines of the Agencies, a true and correct copy of the Underwriting Guidelines certified by an officer of the Seller.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Fees</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Payment of any fees due to Administrative Agent and Buyers hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Evidence that Seller has added Administrative Agent as an additional loss payee under the Seller&#8217;s Fidelity Insurance.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">All Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The obligation of Administrative Agent for the benefit of Buyers to enter into each Transaction pursuant to this Agreement is subject to the following conditions precedent&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Due Diligence Review</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Without limiting the generality of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 36</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, Administrative Agent and Buyers shall have completed, to their satisfaction, their due diligence review of the related Purchased Assets, Seller and the Servicer.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Required Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:39.6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:1.1pt">With respect to each Purchased Mortgage Loan which is not a Wet-Ink Mortgage Loan, the Asset File has been delivered to the applicable Custodian in accordance with the applicable Custodial Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:39.6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.42pt">With respect to each Wet-Ink Mortgage Loan, the Wet-Ink Documents have been delivered to Administrative Agent or the applicable Custodian, as the case may be, in accordance with the applicable Custodial Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Transaction Documents</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Administrative Agent or its designee shall have received on or before the day of such Transaction (unless otherwise specified in this Agreement) the following, in form and substance satisfactory to Administrative Agent and (if applicable) duly executed&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.7pt">A Transaction Request and Asset Schedule delivered by Seller pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;3(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">If not a Wet-Ink Mortgage Loan, the Request for Certification and the related Asset Schedule delivered by Seller, and (i) with respect to Mortgage Loans other than Simultaneously Funded Early Buyout Loans, the Trust Receipt and the Custodial Mortgage Loan Schedule or (ii) with respect to Mortgage Loans that are Simultaneously Funded Early Buyout Loans, a </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 41 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">preliminary Custodial Mortgage Loan Schedule, in each case, delivered by the Custodian.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.7pt">Such certificates, opinions of counsel or other documents as Administrative Agent may reasonably request.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">No Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  No Default or Event of Default shall have occurred and be continuing&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Requirements of Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Administrative Agent nor Buyers shall have determined that the introduction of or a change in any Requirement of Law or in the interpretation or administration of any Requirement of Law applicable to Administrative Agent or any Buyer has made it unlawful, and no Governmental Authority shall have asserted that it is unlawful, for Administrative Agent or any Buyer to enter into Transactions with a Pricing Rate based on the Reference Rate. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Representations and Warranties</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Both immediately prior to the related Transaction and also after giving effect thereto and to the intended use thereof, the representations and warranties made by Seller in each Program Agreement 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).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Electronic Tracking Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. To the extent Seller is selling Mortgage Loans which are registered on the MERS System, an Electronic Tracking Agreement entered into, duly executed and delivered by the parties thereto and being in full force and effect, free of any modification, breach or waiver.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  None of the following shall have occurred and&#47;or be continuing&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i61cc225849db47aea94ebe90e2cb13da"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">an event or events shall have occurred in the good faith determination of a Buyer resulting in the effective absence of a &#8220;repo market&#8221; or comparable &#8220;lending market&#8221; for financing debt obligations secured by mortgage loans or securities or an event or events shall have occurred resulting in such Buyer not being able to finance Purchased Mortgage Loans through the &#8220;repo market&#8221; or &#8220;lending market&#8221; with traditional counterparties at rates which would have been reasonable prior to the occurrence of such event or events&#59; or</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i2a030131887340779ea2c30a052563c3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">an event or events shall have occurred resulting in the effective absence of a &#8220;securities market&#8221; for securities backed by mortgage loans or an event or events shall have occurred resulting in such Buyer not being able to sell securities backed by mortgage loans at prices which would have been reasonable prior to such event or events&#59; or</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 42 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i011ae2ff2ddc4b62b8b1f32ca8f0c4e9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">there shall have occurred (i) 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&#59; (ii) a general suspension of trading on major stock exchanges&#59; or (iii) a disruption in or moratorium on commercial banking activities or securities settlement services&#59; or</font></div><div style="text-align:justify;text-indent:36pt"><font id="i074277a2e56c4fdab7ea4fe23e0ea626"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">there shall have occurred a material adverse change in the financial condition of a Buyer which affects (or can reasonably be expected to affect) materially and adversely the ability of such Buyer to fund its obligations under this Agreement.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="iaf0d1490e2bb43db868c5b9d037c5769"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:35.52pt;text-decoration:underline">Business Purpose Mortgage Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Solely with respect to Business Purpose Mortgage Loans&#58; </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify;text-indent:67.5pt"><font id="iecd6318be3864675a7772c4a03112e62"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.2pt">that are BPL &#8211; Holdbacks, Administrative Agent shall have reviewed and approved the escrow arrangements and documentation therefor&#59; and</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:71.1pt"><font id="i894dad0d55dc4f7593b63937c1970231"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:26.52pt">Administrative Agent shall have received a letter agreement, in form and substance acceptable to Administrative Agent, executed by Administrative Agent, Seller and the applicable Qualified Originator if other than Seller.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i241e3441b55f4adba3a5927d00ded7eb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(10)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">DE Compare Ratio</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller&#8217;s DE Compare Ratio is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i0703d54bfc4d4807a7cbe11a4021e47a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(11)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">No HUD Suspension</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  HUD has not suspended Seller&#8217;s ability to originate FHA Loans in any jurisdiction.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="i2a28ba2e315445acba54daa08ca7cef5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(12)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">Early Buyout Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Prior to giving effect to any Transaction with respect to Early Buyout Loans, Seller shall deliver to Administrative Agent a Servicer Notice addressed to the Servicer of the related Early Buyout Loans and agreed to by the Seller and such Servicer, in form and substance acceptable to Administrative Agent, duly executed by the parties thereto.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="ie15ffe14a4e143d8923730854e855993"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(13)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">Designated Mortgage Loans &#8211; Purchase Price Incremental 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">With respect to each proposed Transaction the subject of which is a Designated Mortgage Loan which is eligible for Purchase Price-Incremental 2, no Disqualification Event shall have occurred and be continuing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;padding-left:68.4pt;text-align:justify;text-indent:98.1pt"><font id="ie930c886cc78484e957b7615014718eb"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.52pt;text-decoration:underline">Collection Account Control Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">following the Effective Date, Administrative Agent shall have received the Collection Account Control Agreement, duly executed and delivered by the Seller, Administrative Agent and Bank, in form and substance acceptable to Administrative Agent.</font></div><div style="text-align:justify;text-indent:72pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 43 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i86f6c246c9bf428184910d7a7c57e698"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">11.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Program&#59; Costs </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Seller shall reimburse Administrative Agent and Buyers for any of Administrative Agent&#8217;s and Buyers&#8217; reasonable out-of-pocket costs, including due diligence review costs and reasonable attorney&#8217;s fees, incurred by Administrative Agent and Buyers in determining the acceptability to Administrative Agent and Buyers of any Mortgage Loans.  Seller shall also pay, or reimburse Administrative Agent and Buyers if Administrative Agent or Buyers shall pay, any termination fee, which may be due any Servicer that is replaced or terminated in accordance with this Agreement.  Seller shall pay the reasonable fees and expenses of Administrative Agent&#8217;s and Buyers&#8217; counsel in connection with the Program Agreements. Reasonable legal fees for any subsequent amendments to this Agreement or related documents shall be borne by Seller.  Seller shall pay ongoing custodial fees and expenses as set forth in the related Custodial Agreement, and any other ongoing fees and expenses set forth in any other Program Agreement. Without limiting the foregoing, Seller shall pay all fees as and when required under the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">If any Buyer determines that, due to the introduction of, any change in, or the compliance by such Buyer with, after the date of this Agreement (i)&#160;any Eurocurrency reserve requirement or (ii)&#160;the interpretation of any law, regulation or any guideline or request from any central bank or other Governmental Authority (whether or not having the force of law), there shall be an increase in the cost to such Buyer in engaging in the present or any future Transactions, then Seller agrees to pay to such Buyer, from time to time, upon demand by such Buyer (with a copy to Custodian) the actual cost of additional amounts as specified by such Buyer to compensate such Buyer for such increased costs.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">With respect to any Transaction, Administrative Agent and Buyers may conclusively rely upon, and shall incur no liability to Seller in acting upon, any request or other communication that Administrative Agent and Buyers reasonably believe to have been given or made by a person authorized to enter into a Transaction on Seller&#8217;s behalf, whether or not such person is listed on the certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;10(a)(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.  </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Notwithstanding the assignment of the Program Agreements with respect to each Purchased Asset to Administrative Agent for the benefit of Buyers, Seller agrees and covenants with Administrative Agent and Buyers to enforce diligently Seller&#8217;s rights and remedies set forth in the Program Agreements.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">(i) Any payments made by Seller to Administrative Agent or a Buyer or a Buyer assignee or participant hereunder or under any Program Agreement shall be made free and clear of and without deduction or withholding for any Taxes, except as required by applicable law. If Seller shall be required by </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 44 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">applicable law (as determined in the good faith discretion of the applicable withholding agent) to deduct or withhold any Tax from any sums payable to Administrative Agent or a Buyer or Buyer assignee or participant, then (i) the Seller shall make such deductions or withholdings and pay the full amount deducted to the relevant Governmental Authority in accordance with applicable law&#59; (ii) to the extent the withheld or deducted Tax is an Indemnified Tax or Other Tax, the sum payable shall be increased as necessary so that after making all required deductions and withholdings (including deductions and withholdings applicable to additional sums payable under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) Administrative Agent receives an amount equal to the sum it would have received had no such deductions or withholdings been made&#59; and (iii) the Seller shall notify the Administrative Agent of the amount paid and shall provide the original or a certified copy (which may be provided electronically) of a receipt issued by the relevant Governmental Authority evidencing such payment within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall otherwise indemnify Administrative Agent and such Buyer, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> after demand therefor, for any Indemnified Taxes or Other Taxes imposed on Administrative Agent or such Buyer (including Indemnified Taxes and Other Taxes imposed or asserted on or attributable to amounts payable under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) and any reasonable expenses arising therefrom or with respect thereto, whether or not such Indemnified Taxes or Other Taxes were correctly or legally asserted by the relevant Governmental Authority. Upon the reasonable request of Seller, Administrative Agent or such Buyer will provide Seller with documentation evidencing payments of Indemnified Taxes, Other Taxes and any such expenses, which shall be conclusive absent manifest error.</font></div><div style="margin-top:12pt;padding-left:36pt;text-align:justify"><font id="i43a3452b9cf54dd0a77132424bfa636d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;(ii) Administrative Agent shall and shall cause each Buyer and Buyer assignee and participant to deliver to the Seller, at the time or times reasonably requested by the Seller, such properly completed and executed documentation reasonably requested by the Seller as will permit payments made hereunder to be made without withholding or at a reduced rate of withholding. In addition, Administrative Agent shall and shall cause each Buyer and Buyer assignee and participant, if reasonably requested by Seller, to deliver such other documentation prescribed by applicable law or reasonably requested by the Seller as will enable the Seller to determine whether or not Administrative Agent or such Buyer or Buyer assignee or participant is subject to backup withholding or information reporting requirements. Notwithstanding anything to the contrary in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the completion, execution and submission of such documentation (other than such documentation in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)((ii)(A)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(B)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(C)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> below) shall not be required if in a Buyer&#8217;s or any Buyer&#8217;s assignee&#8217;s or participant&#8217;s judgment such completion, execution or submission would subject such Buyer or Buyer assignee or participant to any material unreimbursed cost or expense or would materially prejudice the legal or commercial position of such Buyer or Buyer assignee or participant. Without limiting the generality of the foregoing, Administrative Agent shall and shall cause a Buyer or Buyer assignee or participant to deliver to the Seller, to the extent legally entitled to do so&#58;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 45 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i4c2cd79d213b437181edff74431c6434"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(A) in the case of a Buyer or Buyer assignee or participant which is a &#8220;U.S. Person&#8221; as defined in section 7701(a)(30) of the Code, a properly completed and executed Internal Revenue Service (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">IRS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) Form W-9 certifying that it is not subject to U.S. federal backup withholding tax&#59;  </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i7dc3c005e87e4fe6be45464db460e77d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(B) in the case of a Buyer or Buyer assignee or participant which is not a &#8220;U.S. Person&#8221; as defined in Code section 7701(a)(30)&#58; (I) a properly completed and executed IRS Form W-8BEN, W-8BEN-E or W-8ECI, as appropriate, evidencing entitlement to a zero percent or reduced rate of U.S. federal income tax withholding on any payments made hereunder, (II) in the case of such non-U.S. Person claiming exemption from the withholding of U.S. federal income tax under Code sections 871(h) or 881(c) with respect to payments of &#8220;portfolio interest,&#8221; a duly executed certificate (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">U.S. Tax Compliance Certificate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) to the effect that such non-U.S. Person is not (x) a &#8220;bank&#8221; within the meaning of Code section 881(c)(3)(A), (y) a &#8220;10 percent shareholder&#8221; of Seller or affiliate thereof, within the meaning of Code section 881(c)(3)(B), or (z) a &#8220;controlled foreign corporation&#8221; described in Code section 881(c)(3)(C), (III) to the extent such non-U.S. person is not the beneficial owner, executed originals of IRS Form W-8IMY, accompanied by IRS Form W-8ECI, IRS Form W-8BEN, IRS Form W-8BEN-E, a U.S. Tax Compliance Certificate, IRS Form W-9, and&#47;or other certification documents from each beneficial owner, as applicable&#59; provided that if such non-U.S. person is a partnership and one or more direct or indirect partners of such non-U.S. person are claiming the portfolio interest exemption, such non-U.S. person may provide a U.S. Tax Compliance Certificate on behalf of each such direct and indirect partner, and (IV) executed originals of any other form or supplementary documentation prescribed by law as a basis for claiming exemption from or a reduction in United States federal withholding tax together with such supplementary documentation as may be prescribed by law to permit Seller to determine the withholding or deduction required to be made.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="iaefd19efb82548e39efc2004d0b4ee36"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(C) if a payment made to a Buyer or Buyer assignee or participant under this Agreement would be subject to U.S. federal withholding tax imposed by FATCA if such Buyer or assignee or participant were to fail to comply with the applicable reporting requirements of FATCA (including those contained in Section 1471(b) or 1472(b) of the Code, as applicable), Administrative Agent on behalf of such Buyer or assignee or participant shall deliver to the Seller at the time or times prescribed by law and at such time or times reasonably requested by the Seller such documentation prescribed by applicable law (including as prescribed by Section 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 or to determine the amount to deduct and withhold from such payment. Solely for purposes of this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, &#8220;FATCA&#8221; shall include any amendments made to FATCA after the date of this Agreement.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 46 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:36pt;text-align:justify"><font id="i389f51a51b2e40f3935ccff3d7e1b9b7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The applicable IRS forms referred to above shall be delivered by Administrative Agent on behalf of each applicable Buyer or Buyer assignee or participant on or prior to the date on which such person becomes a Buyer or Buyer assignee or participant under this Agreement, as the case may be, and upon the obsolescence or invalidity of any IRS form previously delivered by it hereunder.</font></div><div style="padding-left:36pt;text-align:justify;text-indent:45pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:45pt"><font id="i2c7df67f0d244ea2856aca106a901091"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:20.01pt">Any indemnification payable by Seller to Administrative Agent or a Buyer or Buyer assignee or participant for Indemnified Taxes or Other Taxes that are imposed on Administrative Agent or such Buyer or Buyer assignee or participant, as described in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11(e)(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, shall be paid by Seller </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">from Administrative Agent.  A certificate as to the amount of such payment or liability delivered to the Seller by the Administrative Agent on behalf of a Buyer or Buyer assignee or participant shall be conclusive absent manifest error.</font></div><div style="padding-left:36pt;text-align:justify;text-indent:45pt"><font id="id75d70c7e89e4ce98a5ee4f2cce9621d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18pt">Each party&#8217;s obligations under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall survive any assignment of rights by, or the replacement of, a Buyer or a Buyer assignee or participant, and the repayment, satisfaction or discharge of all obligations under any Program Agreement.</font></div><div style="margin-top:12pt;padding-left:36pt;text-align:justify;text-indent:45pt"><font id="if53db7d2d28c4dc19e524002818baa5f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;h.&#160;&#160;&#160;&#160;Each party to this Agreement acknowledges that it is its intent for purposes of U.S. federal, state and local income and franchise taxes to treat each Transaction as indebtedness of Seller that is secured by the Purchased Assets, and the Purchased Assets as owned by Seller in the absence of an Event of Default by Seller. Administrative Agent, each Buyer and Seller agree that they will treat and report for all tax purposes the Transactions entered into hereunder as one or more loans from a Buyer to Seller secured by the Purchased Mortgage Loans, unless otherwise prohibited by law or upon a final determination by any taxing authority that the Transactions are not loans for tax purposes.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="ifc452b7ed6cd465d88426e688e066a4c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">12.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Servicing</font></div><div style="padding-left:72pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ia38ba8ecf4b541368bcb6b7cb577520f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Seller, on Administrative Agent&#8217;s and Buyers&#8217; behalf, shall contract with Servicer to, or if Seller is the Servicer, Seller shall, service the Purchased Mortgage Loans consistent with the degree of skill and care that Seller customarily requires with respect to similar Purchased Mortgage Loans owned or managed by it and in accordance with Accepted Servicing Practices.  The Seller and Servicer shall (i)&#160;comply in all material respects with all applicable federal, state and local laws and regulations related to the servicing of such Purchased Mortgage Loans, (ii)&#160;maintain all state and federal licenses necessary for it to perform its servicing responsibilities hereunder and (iii)&#160;not impair the rights of Administrative Agent or Buyers in any Purchased Mortgage Loans or any payment thereunder.  Administrative Agent may terminate the servicing of any Purchased Mortgage Loans with the then existing Servicer in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;12.e</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 47 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ic77378630e9a4089849815935f5575ff"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">With respect to Mortgage Loans other than BPL &#8211; Holdbacks, Seller shall and shall cause the Servicer to hold or cause to be held all escrow funds collected by Seller and Servicer with respect to any Purchased Mortgage Loans in trust accounts and shall apply the same for the purposes for which such funds were collected.  With respect to BPL &#8211; Holdbacks, Seller shall and shall cause the originator or Servicer to hold or cause to be held all Holdback Amounts collected by the Seller or Servicer with respect to any Purchased Assets in the Holdback Account and shall apply the same to improve and rehabilitate the related Mortgaged Property.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ice7dc89fc193449a8442c5e377909ad2"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">To the extent Seller engages a third party Servicer, Seller shall cause such Servicer to remit Income to Administrative Agent pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i0a080769de25417a896ca4a7a7d99384"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">In the event there is a third party Servicer and upon Administrative Agent&#8217;s request, Seller shall provide promptly to Administrative Agent a Servicer Notice addressed to and agreed to by the Servicer of the related Purchased Mortgage Loans, advising such Servicer of such matters as Administrative Agent may reasonably request, including, without limitation, recognition by the Servicer of Administrative Agent&#8217;s and Buyers&#8217; interest in such Purchased Mortgage Loans and the Servicer&#8217;s agreement that upon receipt of notice of an Event of Default from Administrative Agent, it will follow the instructions of Administrative Agent with respect to the Purchased Mortgage Loans and any related Income with respect thereto.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ia0464214a0c24df2836fc896a3c6dbe5"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Upon the occurrence of an Event of Default hereunder or a material default under the Servicing Agreement, Administrative Agent shall have the right to immediately terminate the Servicer&#8217;s right to service the Purchased Mortgage Loans without payment of any penalty or termination fee.  For the avoidance of doubt, such termination by Administrative Agent shall not be subject to any payment requirement under the Servicing Agreement including any reimbursement for Servicer&#8217;s expenses, all of which shall remain an obligation of the Seller. Seller and the Servicer shall cooperate in transferring the servicing of the Purchased Mortgage Loans to a successor servicer appointed by Administrative Agent on behalf of Buyers in its sole discretion. For the avoidance of doubt any termination of the Servicer&#8217;s rights to service by the Administrative Agent as a result of an Event of Default shall be deemed part of an exercise of the Administrative Agent&#8217;s rights to cause the liquidation, termination or acceleration of this Agreement.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ibb076b051b394bbebb7609a61ec6fb35"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.01pt">If Seller should discover that, for any reason whatsoever, Seller or any entity responsible to Seller for managing or servicing any such Purchased Mortgage Loan has failed to perform fully Seller&#8217;s obligations under the Program Agreements or any of the obligations of such entities with respect to the Purchased Mortgage Loans, Seller shall promptly notify Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="if7ed4afa05e041aea796aec4e381e864"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 48 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ie86061312f7540bb86f711cda555151c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">For the avoidance of doubt, the Seller retains no economic rights to the servicing of the Purchased Mortgage Loans other than as set forth herein.  As such, the Seller expressly acknowledges that the Purchased Mortgage Loans are sold to Administrative Agent for the benefit of Buyers on a &#8220;servicing released&#8221; basis with such servicing retained by the Servicer.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="iecbb29dfd6ff42038146d6fd9d5e9d39"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">13.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Representations and Warranties</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Seller represents and warrants to Administrative Agent and Buyers as of the date hereof and as of each Purchase Date for any Transaction that&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Seller Existence</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has been duly organized and is validly existing as a limited liability company in good standing under the laws of the State of Delaware. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Licenses</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller is duly licensed and has all material governmental licenses, authorizations, consents and approvals necessary to own its assets and carry on its business as now being or as proposed to be conducted and complies in all material respects with all applicable federal, state or local laws, rules and regulations. Seller has the requisite power and authority and legal right to originate and purchase Mortgage Loans (as applicable) and to own, sell and grant a lien on all of its right, title and interest in and to the Mortgage Loans, and to execute and deliver, engage in the transactions contemplated by, and perform and observe the terms and conditions of, each Program Agreement and any Transaction Request.  Seller is an FHA Approved Mortgagee and, to the extent Seller is originating VA Loans, a VA Approved Lender.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Power</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller has all requisite corporate or other power, and has all material governmental licenses, authorizations, consents and approvals necessary to own its assets and carry on its business as now being or as proposed to be conducted.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Due Authorization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller has all necessary corporate or other power, authority and legal right to execute, deliver and perform its obligations under each of the Program Agreements, as applicable.  Each Program Agreement has been (or, in the case of Program Agreements not yet executed, will be) duly authorized, executed and delivered by Seller, all requisite or other corporate action having been taken, and each is valid, binding and enforceable against Seller in accordance with its terms except as such enforcement may be affected by bankruptcy, by other insolvency laws, or by general principles of equity.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Financial Statements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Seller has heretofore furnished to Administrative Agent a copy of (a) its consolidated balance sheet and the consolidated balance sheets of its consolidated Subsidiaries for the most </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 49 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">recent fiscal year-end, and the related consolidated statements of income and retained earnings and of cash flows for the Seller 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 a nationally recognized accounting firm acceptable to Administrative Agent and (b) its consolidated balance sheet and the consolidated balance sheets of its consolidated Subsidiaries for the most recent quarterly fiscal period of the Seller and the related consolidated statements of income and retained earnings and of cash flows for the Seller and its consolidated Subsidiaries for such quarterly fiscal periods, 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 Seller and its Subsidiaries and the consolidated results of their operations as at such dates and for such fiscal periods, all in accordance with GAAP (other than with respect to unaudited financial statements, footnotes, year-end adjustments and cash flow statements) applied on a consistent basis.  Since </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, there has been no material adverse change in the consolidated business, operations or financial condition of the Seller and its consolidated Subsidiaries taken as a whole from that set forth in said financial statements nor is Seller aware of any state of facts which (with notice or the lapse of time) would reasonably be expected to result in any such material adverse change.  The Seller has, on the date of the statements delivered pursuant to this Section (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Statement Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) no material liabilities, direct or indirect, fixed or contingent, matured or unmatured, known or unknown, or material 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 Seller except as heretofore disclosed to Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  There exists no Event of Default under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;15(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, which default gives rise to a right to accelerate indebtedness as referenced in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;15(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, under any mortgage, borrowing agreement or other instrument or agreement pertaining to indebtedness for borrowed money or to the repurchase of mortgage loans or securities.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">Solvency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller is solvent and will not be rendered insolvent by any Transaction and, after giving effect to such Transaction, will not be left with an unreasonably small amount of capital with which to engage in its business.  Seller does not intend to incur, nor believes that it has incurred, debts beyond its ability to pay such debts as they mature and is not contemplating the commencement of insolvency, bankruptcy, liquidation or consolidation proceedings or the appointment of a receiver, liquidator, conservator, trustee or similar official in respect of such entity or any of its </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 50 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">assets.  The amount of consideration being received by Seller upon the sale of the Purchased Assets to Administrative Agent for the benefit of Buyers constitutes reasonably equivalent value and fair consideration for such Purchased Assets. Seller is not transferring any Purchased Assets to Administrative Agent with any intent to hinder, delay or defraud any of its creditors.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">No Conflicts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The execution, delivery and performance by Seller of each Program Agreement do not conflict in any material respect with any term or provision of the formation documents or by-laws of Seller.  The execution, delivery and performance by Seller of each Program Agreement do not conflict, in any material respect, with any material law, rule, regulation, order, judgment, writ, injunction or decree applicable to Seller of any court, regulatory body, administrative agency or governmental body having jurisdiction over Seller.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.02pt;text-decoration:underline">True and Complete Disclosure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  All information, reports, exhibits, schedules, financial statements or certificates of Seller or any Affiliate thereof or any of their officers furnished or to be furnished to Administrative Agent or Buyers in connection with the initial or any ongoing due diligence of Seller or any Affiliate or officer thereof, negotiation, preparation, or delivery of the Program Agreements are true and complete in all material respects and do not omit to disclose any material facts necessary to make the statements herein or therein, in light of the circumstances in which they are made, not misleading.  All financial statements have been prepared in accordance with GAAP (other than solely with respect to unaudited financial statements, footnotes, year-end adjustments and cash flow statements).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(10)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  No consent, approval, authorization or order of, registration or filing with, or notice to any governmental authority or court is required under applicable law in connection with the execution, delivery and performance by Seller of each Program Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(11)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Except as otherwise disclosed to Administrative Agent in writing, there is no action or proceeding pending with respect to which Seller has received service of process or, to the best of Seller&#8217;s knowledge threatened against it before any court, administrative agency or other tribunal (A)&#160;asserting the invalidity of any Program Agreement, (B)&#160;seeking to prevent the consummation of any of the transactions contemplated any Program Agreement, (C) excluding Ordinary Course Litigation making a claim individually or in an aggregate amount greater than $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, or (D) which could reasonably be expected to materially and adversely affect the validity of the Purchased Assets or the performance by it of its obligations under, or the validity or enforceability of any Program Agreement.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 51 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(12)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  There has been no Material Adverse Effect since the date set forth in the most recent financial statements supplied to Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(13)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Ownership</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Upon payment of the Purchase Price and the filing of the financing statement and delivery of the Asset Files to the Custodian and the Custodian&#8217;s receipt of the related Request for Certification, Administrative Agent shall become the sole owner of the Purchased Assets and related Repurchase Assets for the benefit of the Buyers, free and clear of all liens and encumbrances.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Underwriting Guidelines provided to Administrative Agent are the true and correct Underwriting Guidelines of the Seller.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(15)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller and its Subsidiaries have timely filed all income tax returns and other material tax returns that are required to be filed by them and have paid all taxes prior to delinquency, 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.  The charges, accruals and reserves on the books of Seller and Seller&#8217;s Subsidiaries in respect of taxes and other governmental charges are, in the opinion of Seller, adequate.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(16)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Investment Company</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Seller nor any of its Subsidiaries is an &#8220;investment company&#8221;, or a company &#8220;controlled&#8221; by an &#8220;investment company,&#8221; within the meaning of the Investment Company Act of 1940, as amended.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Chief Executive Office&#59; Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  On the Effective Date, Seller&#8217;s chief executive office, is and has been located at 6561 Irvine Center Drive, Irvine, CA 92618.  On the Effective Date, Seller&#8217;s jurisdiction of organization is Delaware.  Except as otherwise disclosed to the Administrative Agent in writing, Seller does not have any trade name. Except as otherwise disclosed to the Administrative Agent in writing, during the preceding five years, Seller has not been known by or done business under any other name, corporate or fictitious, and has not filed or had filed against it any bankruptcy receivership or similar petitions nor has it made any assignments for the benefit of creditors.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(18)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Location of Books and Reco</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">rds.  The location where Seller keeps its books and records, including all computer tapes and records relating to the Purchased Assets and the related Repurchase Assets is its chief executive office.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(19)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 52 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(20)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">ERISA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Plan to which Seller or its Subsidiaries make direct contributions, and, to the knowledge of Seller, each other Plan and each Multiemployer Plan, is in compliance in all material respects with, and has been administered in all material respects in compliance with, the applicable provisions of ERISA, the Code and any other Federal or State law.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(21)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Adverse Selection</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has not selected the Purchased Assets in a manner so as to adversely affect Buyers&#8217; interests.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(22)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Seller nor any Subsidiary of Seller is in default in the performance, observance or fulfillment of any of the obligations, covenants or conditions contained in any agreement, instrument, or indenture which default could reasonably be expected to have a material adverse effect on the business, operations, properties, or financial condition of Seller as a whole.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(23)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Other Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  All Indebtedness (other than Indebtedness evidenced by this Agreement) of Seller existing on the Effective Date is listed on Exhibit B to the Pricing Side Letter (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Existing Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;). </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(24)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Agency Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  With respect to each Agency Security and to the extent necessary, Seller is an FHA Approved Mortgagee, a VA Approved Lender and approved by GNMA as an approved lender. Seller is also approved by Fannie Mae as an approved lender and Freddie Mac as an approved seller&#47;servicer, and, to the extent necessary, approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act.  In each such case, Seller is in good standing, with no event having occurred or Seller having any reason whatsoever to believe or suspect will occur prior to the issuance of the Agency Security or the consummation of the Take-out Commitment, as the case may be, 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 to the Department of Housing and Urban Development, FHA or VA.   </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(25)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">No Reliance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has made its own independent decision to enter into the Program Agreements 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 Administrative Agent or Buyers as to any aspect of the Transactions, including without limitation, the legal, accounting or tax treatment of such Transactions.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 53 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(26)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Plan Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller is not an employee benefit plan as defined in Section 3 of Title I of ERISA, or a plan described in Section 4975(e)(1) of the Code, and the Purchased Assets are not &#8220;plan assets&#8221; within the meaning of 29 CFR &#167;2510.3 101 as amended by Section 3(42) of ERISA, in Seller&#8217;s hands, and transactions by or with Seller are not subject to any state or local statute regulating investments or fiduciary obligations with respect to governmental plans within the meaning of Section 3(32) of ERISA or church plans within the meaning of Section 3(33) of ERISA.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(27)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">No Prohibited Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Neither Seller nor any of its Affiliates, officers, directors, partners or members, is an entity or person (or to Seller&#8217;s knowledge, 50 percent or greater owned by an entity or person)&#58; (i)&#160;whose name appears on the United States Treasury Department&#8217;s Office of Foreign Assets Control (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">OFAC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) most current list of &#8220;Specifically Designated National and Blocked Persons&#8221; (which list may be published from time to time in various mediums including, but not limited to, the OFAC website, http&#58;www.treas.gov&#47;ofac&#47;t11sdn.pdf)&#59; or (ii) is otherwise the target of sanctions administered by OFAC (any and all parties or persons described in clauses&#160;(i) and (ii) above are herein referred to as a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibited Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(28)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:7.02pt;text-decoration:underline">Servicing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller has adequate financial standing, servicing facilities, procedures and experienced personnel necessary for the sound servicing of mortgage loans of the same types as may from time to time constitute Mortgage Loans and in accordance with Accepted Servicing Practices.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">With respect to every Purchased Asset, Seller represents and warrants to Administrative Agent and Buyers as of the applicable Purchase Date for any Transaction and each date thereafter that each representation and warranty set forth on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">1 is true and correct.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">The representations and warranties set forth in this Agreement shall survive transfer of the Purchased Assets to Administrative Agent for the benefit of Buyers and each Buyer and shall continue for so long as the Purchased Assets are subject to this Agreement.  Upon discovery by Seller or Administrative Agent of any breach of any of the representations or warranties set forth in this Agreement, the party discovering such breach shall promptly give notice of such discovery to the others. Administrative Agent has the right to require, in its unreviewable discretion, Seller to repurchase </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after receipt of notice from Administrative Agent any Purchased Asset for which a breach of one or more of the representations and warranties referenced in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> exists and which breach has a material adverse effect on the value of such Purchased Asset or the interests of Administrative Agent or Buyers, and such repurchase shall occur </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after receipt of notice from Administrative Agent requesting the same.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 54 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i3b12fb4c9f5845469977abbc91d88bba"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">14.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Covenants </font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Seller covenants with Administrative Agent and Buyers that, during the term of this facility&#58;</font></div><div><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller will promptly, and in any event </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after service of process on any of the following, give to Administrative Agent notice of all litigation, actions, suits, arbitrations (including, without limitation, any of the foregoing which are threatened or pending) or other legal or arbitrable proceedings affecting Seller or any of its Subsidiaries or affecting any of the Property of any of them before any Governmental Authority that (i) questions or challenges the validity or enforceability of any of the Program Agreements or any action to be taken in connection with the transactions contemplated hereby, (ii) excluding Ordinary Course Litigation, makes a claim individually or in an aggregate amount greater than $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, or (iii) which, individually or in the aggregate could be reasonably likely to have a Material Adverse Effect.  Seller will promptly provide notice of any judgment, which with the passage of time, could cause an Event of Default hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Prohibition of Fundamental Changes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not enter into any transaction of merger or consolidation or amalgamation, or liquidate, wind up or dissolve itself (or suffer any liquidation, winding up or dissolution) or sell all or substantially all of its assets.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Servicing</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall not cause the Purchased Mortgage Loans to be serviced by any Servicer other than a Servicer expressly approved in writing by Administrative Agent on behalf of Buyers, which approval shall be deemed granted by Administrative Agent on behalf of Buyers with respect to Seller with the execution of this Agreement.  </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Insurance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Seller shall continue to maintain, for Seller and its Subsidiaries, Fidelity Insurance in an aggregate amount acceptable to Fannie Mae, Freddie Mac and GNMA.  The Seller shall maintain, for Seller and its Subsidiaries, 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.  The Seller shall notify the Administrative Agent of any material adverse change in the terms of any such Fidelity Insurance.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">No Adverse Claims</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller warrants and will defend, and shall cause any Servicer to defend, the right, title and interest of Administrative Agent and Buyers in and to all Purchased Assets and the related Repurchase Assets against all adverse claims and demands.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">Assignment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Except as permitted herein, neither Seller nor any Servicer shall sell, assign, transfer or otherwise dispose of, or grant any option with respect to, or pledge, hypothecate or grant a security interest in or lien on or </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 55 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">otherwise encumber (except pursuant to the Program Agreements), any of the Purchased Assets or any interest therein, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> that this Section shall not prevent any transfer of Purchased Assets in accordance with the Program Agreements.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall do all things necessary to preserve the Purchased Assets and the related Repurchase Assets so that they remain subject to a first priority perfected security interest hereunder (in each case, to the extent a security interest may be perfected by possession, control or filing of a UCC financing statement).  Without limiting the foregoing, Seller will comply in all material respects with all rules, regulations and other laws of any Governmental Authority.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Records</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.67pt">Seller shall collect and maintain or cause to be collected and maintained all Records relating to the Purchased Assets and Repurchase Assets in accordance with industry custom and practice for assets similar to the Purchased Assets and Repurchase Assets, including those maintained pursuant to the preceding subparagraph, and all such Records shall be in the Seller&#8217;s, Custodian&#8217;s or Servicer&#8217;s possession (in accordance with this Agreement and the Custodial Agreement) unless Administrative Agent otherwise approves.  Except in accordance with the Custodial Agreement, Seller will not allow any such papers, records or files that are an original or an only copy to leave the Seller&#8217;s, Custodian&#8217;s or Servicer&#8217;s possession, except for individual items removed in connection with servicing a specific Purchased Mortgage Loan, in which event Seller will obtain or cause to be obtained a receipt from a financially responsible person for any such paper, record or file.  Seller or the Servicer of the Purchased Assets will maintain all such Records not in the possession of the Custodian in good and complete condition in accordance with industry practices for assets similar to the Purchased Assets and preserve them against loss.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.67pt">For so long as Administrative Agent has an interest in or lien on any Purchased Assets, Seller will hold or cause to be held all related Records in trust for Administrative Agent.  Seller shall notify, or cause to be notified, every other party holding any such Records of the interests and liens in favor of Administrative Agent granted hereby.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:63.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.67pt">Upon reasonable advance notice from the Custodian or Administrative Agent, Seller shall (x)&#160;make any and all such Records available to the Custodian, Administrative Agent and a Buyer to examine any such Records, either by its own officers or employees, or by agents or contractors who are bound by requirements of confidentiality, or both, and make copies of all or any portion thereof, and (y)&#160;permit Administrative Agent or a Buyer or its authorized agents to discuss the affairs, finances and accounts </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 56 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of Seller with its chief operating officer and chief financial officer and to discuss the affairs, finances and accounts of Seller with its independent certified public accountants.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Books</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall keep or cause to be kept in reasonable detail books and records of account of its assets and business and shall clearly reflect therein the transfer of Purchased Assets to Administrative Agent for the benefit of Buyers.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall maintain all material licenses, permits or other approvals necessary for Seller to conduct its business and to perform its obligations under the Program Agreements, and Seller shall conduct its business in accordance in all material respects with applicable law.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Material Change in Business</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not make any material change in the nature of its business as carried on at the date hereof.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Underwriting Guidelines</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Other than underwriting guidelines of the Agencies, Seller shall not make any amendment or other modification to the Underwriting Guidelines which </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Without limiting the foregoing, in the event that Seller makes any amendment or modification to the Underwriting Guidelines, Seller shall promptly deliver to Administrative Agent a complete copy of the amended or modified Underwriting Guidelines upon request.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">m.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.67pt;text-decoration:underline">Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. If an Event of Default has occurred and is continuing, Seller shall not pay any dividends with respect to any capital stock or other equity interests in such entity, whether now or hereafter outstanding, or make any other distribution in respect thereof, either directly or indirectly, whether in cash or property or in obligations of Seller, except that, notwithstanding the foregoing, Seller shall be permitted at all times to make Tax Distributions.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">n.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Applicable Law</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall comply in all material respects with the requirements of all applicable laws, rules, regulations and orders of any Governmental Authority.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">o.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Existence</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall preserve and maintain its legal existence and all of its material rights, privileges, licenses and franchises, except for failures to maintain any such rights, privileges licenses and franchises, which, individually or in the aggregate, would not have a Material Adverse Effect.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">p.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Chief Executive Office&#59; Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not move its chief executive office from the address referred to in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or change its jurisdiction of organization from the jurisdiction referred to in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 13(a)(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> unless it shall have provided Administrative Agent </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of such change.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 57 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">q.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall timely file all tax returns that are required to be filed by it and shall timely pay and discharge all taxes, assessments and governmental charges or levies imposed on it or on its income or profits or on any of its property prior to the date on which penalties attach thereto, except for any such tax, assessment, charge or levy the payment of which is being contested in good faith and by proper proceedings and against which adequate reserves are being maintained.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">r.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">Transactions with Affiliates</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller will not enter into any transaction, including, without limitation, any purchase, sale, lease or exchange of property or the rendering of any service, with any Affiliate unless such transaction is (a) otherwise not prohibited under the Program Agreements and (b) upon fair and reasonable terms no less favorable to Seller than it would obtain in a comparable arm&#8217;s length transaction with a Person which is not an Affiliate. Nothing herein shall prohibit distributions and dividends that are not prohibited under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 14(m)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">s.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:10.34pt;text-decoration:underline">Guarantees</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not create, incur, assume or suffer to exist any Guarantees, except (i)&#160;to the extent reflected in Seller&#8217;s financial statements or notes thereto (ii)&#160;to the extent the aggregate Guarantees of Seller do not exceed $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, or (iii) to the extent such Guarantee is otherwise disclosed to Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;margin-top:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">t.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall not incur any additional material Indebtedness, including without limitation, any Indebtedness relating to any mortgage servicing rights or corporate or servicing advances, (other than (i)&#160;the Existing Indebtedness in amounts not to exceed the amounts specified on Exhibit B to the Pricing Side Letter and (ii)&#160;usual and customary accounts payable for a mortgage company) without providing written notice of the same to the Administrative Agent.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">  </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">u.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">HUD and FHA Matters Regarding Income and Accounts with Respect to Early Buyout Loans</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">With respect to each Early Buyout Loan that is an FHA Loan, Seller shall list the Servicer as the servicer on FHA Connection System and the Seller to be identified as the mortgagee of record on such system under mortgagee number </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. With respect to each Early Buyout Loan that is a VA Loan, Seller shall list the Servicer as the servicer on the VALERI system under payee vendor identification number </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall cause Servicer to submit all claims to HUD and VA under such applicable numbers for remittance of amounts to the Clearing Account. </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">To the extent HUD deducts any amounts owing by (i) Seller or (ii) Servicer that are unrelated to the applicable Early Buyout Loan, in each case, to HUD, Seller shall deposit, or cause Servicer to </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 58 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">deposit, within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">following notice or knowledge of such deduction by HUD, such deducted amounts into the applicable account.</font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">Seller shall maintain HUD and GNMA approvals.  Should Seller for any reason, cease to possess a HUD or GNMA approval, Seller shall so notify Administrative Agent immediately in writing. </font></div><div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">Seller shall cooperate and do all things deemed necessary or appropriate by Buyer to effectuate the steps as contemplated in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 14.u</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">v.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Hedging</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller has entered into Interest Rate Protection Agreements or other arrangements with respect to the Purchased Mortgage Loans, having terms with respect to protection against fluctuations in interest rates consistent with the terms of Seller&#8217;s hedging program and has notified Administrative Agent of the terms of such Interest Rate Protection Agreements or other arrangements in writing.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">w.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.34pt;text-decoration:underline">True and Correct Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  All information, reports, exhibits, schedules, financial statements or certificates of Seller, any Affiliate thereof or any of their officers furnished to Administrative Agent and&#47;or Buyers hereunder and during Administrative Agent&#8217;s and&#47;or Buyers&#8217; diligence of Seller are and will be true and complete in all material respects and do not omit to disclose any material facts necessary to make the statements herein or therein, in light of the circumstances in which they are made, not misleading.  All required financial statements, information and reports delivered by Seller to Administrative Agent and&#47;or Buyers pursuant to this Agreement shall be prepared in accordance with U.S. GAAP (other than, with respect to unaudited financial statements, footnotes, year-end adjustments and cash flow statements).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">x.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Agency Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall maintain all Agency Approvals necessary for the conduct of its business.  Should Seller, for any reason, cease to possess all such applicable Agency Approvals, or should notification to the relevant Agency or to the Department of Housing and Urban Development, FHA or VA be required, Seller shall so notify Administrative Agent within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Notwithstanding the preceding sentence, Seller shall take all necessary action to maintain all of its applicable Agency Approvals at all times during the term of this Agreement and each outstanding Transaction. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">y.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Take-out Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. With respect to each Committed Mortgage Loan, Seller shall arrange that all payments under the related Take-out Commitment shall be paid directly to Administrative Agent at the account set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 9</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, or to an account approved by Administrative Agent in writing prior to such payment. With respect to any Agency Take-out Commitment, if applicable, (1) with respect to the wire transfer instructions as </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 59 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">set forth in Freddie Mac Form 987 (Wire Transfer Authorization for a Cash Warehouse Delivery) such wire transfer instructions are identical to Administrative Agent&#8217;s wire instructions or Administrative Agent has approved such wire transfer instructions in writing in its sole discretion, or (2) the Payee Number set forth on Fannie Mae Form 1068 (Fixed-Rate, Graduated-Payment, or Growing-Equity Mortgage Loan Schedule) or Fannie Mae Form 1069 (Adjustable-Rate Mortgage Loan Schedule), as applicable, shall be identical to the Payee Number that has been identified by Administrative Agent in writing as Administrative Agent&#8217;s Payee Number or Administrative Agent shall have previously approved the related Payee Number in writing in its sole discretion&#59; with respect to any Take-out Commitment with an Agency, the applicable agency documents shall list Administrative Agent as sole subscriber, unless otherwise agreed to in writing by Administrative Agent, in Administrative Agent&#8217;s sole discretion.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">z.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">No Pledge</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Except pursuant to this Agreement, Seller shall not, and shall not cause Servicer to, pledge, transfer or convey any security interest in the Clearing Account to any Person (other than Administrative Agent) without the express written consent of Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">aa.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.36pt;text-decoration:underline">Plan Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall not be an employee benefit plan as defined in Section 3 of Title I of ERISA, or a plan described in Section 4975(e)(1) of the Code and Seller shall not use &#8220;plan assets&#8221; within the meaning of 29 CFR &#167;2510.3 101, as amended by Section 3(42) of ERISA to engage in this Agreement or any Transaction hereunder. Transactions by or with Seller shall not be subject to any foreign, state or local statute regulating investments of or fiduciary obligations with respect to governmental plans within the meaning of Section 3(32) of ERISA or church plans within the meaning of Section 3(33) of ERISA.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ab.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div><font><br></font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ac.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.36pt;text-decoration:underline">No Prohibited Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Neither Seller nor any of its officers, directors, partners or members, shall be an entity or person (or to the Seller&#8217;s knowledge, 50 percent or greater owned by an entity or person)&#58; (i)&#160;whose name appears on OFAC&#8217;s most current list of &#8220;Specifically Designated National and Blocked Persons&#8221; (which list may be published from time to time in various mediums including, but not limited to, the OFAC website, http&#58;www.treas.gov&#47;ofac&#47;t11sdn.pdf)&#59; or (ii) shall otherwise be the target of sanctions administered by OFAC (any and all parties or persons described in clauses&#160;(i) and (ii) above are herein referred to as a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibited Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).  </font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ad.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Lender Insurance Authority</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  In the event that Seller has on the date hereof or subsequently receives Lender Insurance Authority, such authority shall not be revoked or suspended.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 60 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ae.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.36pt;text-decoration:underline">Quality Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall maintain an internal quality control program that verifies, on a regular basis, the existence and accuracy of all legal documents, credit documents, property appraisals, and underwriting decisions related to Purchased Mortgage Loans and shall provide the most recent report on the results of such quality control program in the Officer&#8217;s Compliance Certificate provided pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Such program shall be capable of evaluating and monitoring the overall quality of Seller&#8217;s loan production and servicing activities.  Such program shall (i) ensure that the Purchased Mortgage Loans are originated and serviced in accordance with prudent mortgage banking practices and accounting principles&#59; (ii) guard against dishonest, fraudulent, or negligent acts&#59; and (iii) guard against errors and omissions by officers, employees, or other authorized persons.</font></div><div style="padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">af.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.69pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="padding-left:90pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ag.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">MERS</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall comply in all material respects with the rules and procedures of MERS in connection with the servicing of all Purchased Mortgage Loans that are registered with MERS and, with respect to Purchased Mortgage Loans that are eMortgage Loans, the maintenance of the related eNotes on the MERS eRegistry for as long as such Purchased Mortgage Loans are so registered. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ah.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Beneficial Ownership Certification</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.&#160; Seller shall at all times either (i)&#160;ensure that the Seller has delivered to Administrative Agent a Beneficial Ownership Certification, if applicable, and that the information contained therein is true and correct in all respects or (ii) deliver to Administrative Agent an updated Beneficial Ownership Certification if any information contained in any previously delivered Beneficial Ownership Certification ceases to be true and correct in all respects. At all times, Seller shall promptly notify Administrative Agent upon becoming aware that the information provided in the most recent Beneficial Ownership Certification is no longer true and correct and shall deliver an updated Beneficial Ownership Certification to Administrative Agent promptly but in any event </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ai.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.35pt;text-decoration:underline">Investment Company</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall not become an &#8220;investment company&#8221;, or a company &#8220;controlled&#8221; by an &#8220;investment company&#8221;, within the meaning of the Investment Company Act.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">aj.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.35pt;text-decoration:underline">Financial Covenants</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall at all times comply with all financial covenants and&#47;or financial ratios set forth in Section 2 of the Pricing Side Letter (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Financial Covenants</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">ak.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.68pt;text-decoration:underline">Chief Executive Office&#59; Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall provide Administrative Agent with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">of any change in Seller&#8217;s principal office or place of business, legal name or jurisdiction.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 61 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i7258277e0dac4d29a7431c14afc9e304"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">15.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Events of Default</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Each of the following shall constitute an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Event of Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; hereunder&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Payment Failure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Failure of Seller to (i)&#160;make any payment of Price Differential or Repurchase Price or any other sum which has become due, on a Payment Date or a Repurchase Date or otherwise, whether by acceleration or otherwise, under the terms of this Agreement, (ii)&#160;cure any Margin Deficit when due pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof or (iii) to make any payment when due hereunder, other than such payments described in clauses (i) and (ii) hereof, and such failure continues </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Cross Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller or any of Seller&#8217;s Affiliates that are party to any Program Agreement shall be in default after the expiration of any grace or cure period to the extent not waived or cured in writing under (i) any Indebtedness, including, without limitation, the Funding 2 Repo Agreement, in the aggregate, in excess of $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">with respect to Seller or such Affiliate which default (1) involves the failure to pay a matured obligation, or (2) permits the acceleration of the maturity of obligations by any other party to or beneficiary with respect to such Indebtedness, or (ii) any other contract or contracts, in the aggregate in excess of $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">to which Seller or such Affiliate is a party which default (1) involves the failure to pay a matured obligation, or (2) permits the acceleration of the maturity of obligations by any other party to or beneficiary of such contract. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Assignment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  (i) Assignment or attempted assignment by Seller of this Agreement or any rights hereunder without first obtaining the specific written consent of Administrative Agent, or (ii) the granting by Seller of any security interest, lien or other encumbrances on any Purchased Asset to any person other than Administrative Agent and such affected Purchased Asset pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">clause c(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> has not been repurchased </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Insolvency</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An Act of Insolvency shall have occurred with respect to Seller.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The occurrence of a Material Adverse Effect. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">Breach of Financial Representation or Covenant or Obligation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A breach by Seller of any of the representations, warranties or covenants or obligations set forth in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Breach of Non-Immediate Representation or Covenant</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A breach by Seller of any other material representation, warranty or covenant set forth in this Agreement or any other Program Agreement (and not otherwise specified in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 15(f)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above), if such breach is not cured </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after Seller&#8217;s knowledge thereof (other than the representations and warranties set forth in </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 62 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, which shall be considered solely for the purpose of determining the Asset Value, the existence of a Margin Deficit and the obligation to repurchase such Purchased Mortgage Loan) unless (i) such party shall have made any such representations and warranties with knowledge that they were materially false or misleading at the time made, (ii) any such representations and warranties have been determined by Administrative Agent in its good faith discretion to be materially false or misleading on a regular basis, or (iii) Administrative Agent, in its good faith discretion, determines that such breach of a material representation, warranty or covenant materially and adversely affects (A) the condition (financial or otherwise) of Seller or an Affiliate of Seller to a Program Agreement&#59; or (B) Administrative Agent&#8217;s determination to enter into this Agreement or Transactions with such party, then such breach shall constitute an immediate Event of Default (and Seller shall have no cure right hereunder).</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Change of Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The occurrence of a Change in Control shall have occurred without Administrative Agent&#8217;s prior written consent.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Failure to Transfer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller fails to transfer the Purchased Assets to Administrative Agent for the benefit of the applicable Buyer in the manner set forth in the Program Agreements (provided the Administrative Agent on behalf of the applicable Buyer has tendered the related Purchase Price) and such failure continues </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Judgment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  A final judgment or judgments for the payment of money in excess of $</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">in the aggregate shall be rendered against Seller by one or more courts, administrative tribunals or other bodies having jurisdiction 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 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Government Action</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Any Governmental Authority or any person, agency or entity acting or purporting to act under governmental authority shall have taken any action to condemn, seize or appropriate, or to assume custody or control of, all or any substantial part of the Property of Seller, or shall have taken any action to displace the management of Seller or to curtail its authority in the conduct of the business of Seller, or takes any action in the nature of enforcement to remove, limit or restrict the approval of Seller as an issuer, buyer or a seller&#47;servicer of Purchased Asset or securities backed thereby, and such action provided for in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 15(k)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall not have been discontinued or stayed within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt;text-decoration:underline">Inability to Perform</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  An officer of Seller shall admit its inability to, or its intention not to perform any of Seller&#8217;s Obligations hereunder.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 63 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">m.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.67pt;text-decoration:underline">Security Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  This Agreement shall for any reason cease to create a valid, first priority security interest (except to the extent a security interest may not be perfected by possession, control or filing of a UCC financing statement) in any material portion of the Purchased Assets or other Repurchase Assets purported to be covered hereby.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">n.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Financial Statements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller&#8217;s audited annual financial statements or the notes thereto or other opinions or conclusions stated therein shall be qualified or limited by reference to the status of Seller as a &#8220;going concern&#8221; or a reference of similar import.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">o.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Custodian</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  With respect to Early Buyout Loans, the applicable Custodian fails to maintain its good standing under the GNMA Guide or FHA Regulations and is not replaced or the Seller fails to repurchase such Early Buyout Loans or such breach is not waived by Administrative Agent in writing within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">p.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Servicer Default.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> There is a breach by Servicer of the Servicing Agreement and Seller has not appointed a successor servicer acceptable to Administrative Agent or such breach is not waived by Administrative Agent in writing within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">An Event of Default shall be deemed to be continuing unless expressly waived by Administrative Agent in writing.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ic01207a183ab4bb2b34d0889998e6b7e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">16.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Remedies Upon Default</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">In the event that an Event of Default shall have occurred and is continuing&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Administrative Agent may, at its option (which option shall be deemed to have been exercised immediately upon the occurrence of an Act of Insolvency of Seller), declare an Event of Default to have occurred hereunder and, upon the exercise or deemed exercise of such option, the Repurchase Date for each Transaction hereunder shall, if it has not already occurred, be deemed immediately to occur (except that, in the event that the Purchase Date for any Transaction has not yet occurred as of the date of such exercise or deemed exercise, such Transaction shall be deemed immediately canceled).  Administrative Agent shall (except upon the occurrence of an Act of Insolvency of Seller) give notice to Seller of the exercise of such option as promptly as practicable.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">If Administrative Agent exercises or is deemed to have exercised the option referred to in subparagraph (a) of this Section, (i) Seller&#8217;s obligations in such Transactions to repurchase all Purchased Assets at the Repurchase Price therefor on the Repurchase Date determined in accordance with subparagraph (a) of this Section, shall thereupon become immediately due and payable, (ii) </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 64 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">all Income paid after such exercise or deemed exercise shall be retained by Administrative Agent and applied, in Administrative Agent&#8217;s sole discretion, in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7.j</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, and (iii) Seller shall immediately deliver to Administrative Agent the Asset Files relating to any Purchased Mortgage Loans subject to such Transactions then in Seller&#8217;s possession or control. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Administrative Agent also shall have the right to obtain physical possession, and to commence an action to obtain physical possession, of all Records and files of Seller relating to the Purchased Assets and Repurchase Assets and all documents relating to the Purchased Assets (including, without limitation, any legal, credit or servicing files with respect to the Purchased Assets and Repurchase Assets) which are then or may thereafter come in to the possession of Seller or any third party acting for Seller.  To obtain physical possession of any Purchased Assets held by the Custodian, Administrative Agent shall present to the Custodian a Trust Receipt.  Without limiting the rights of Administrative Agent hereto to pursue all other legal and equitable rights available to Administrative Agent for Seller&#8217;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 Administrative Agent 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 Administrative Agent from pursuing any other remedies for such breach, including the recovery of monetary damages.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Administrative Agent shall have the right to direct all servicers then servicing any Purchased Assets to remit all collections thereon to Administrative Agent, and if any such payments are received by Seller, Seller shall not commingle the amounts received with other funds of Seller and shall promptly pay them over to Administrative Agent. Administrative Agent shall also have the right to terminate any one or all of the servicers then servicing any Purchased Assets with or without cause.  In addition, Administrative Agent shall have the right to immediately sell the Purchased Assets and liquidate all Repurchase Assets.  Such disposition of Purchased Assets may be, at Administrative Agent&#8217;s option, on either a servicing-released or a servicing-retained basis.  Administrative Agent shall not be required to give any warranties as to the Purchased Assets with respect to any such disposition thereof.  Administrative Agent may specifically disclaim or modify any warranties of title or the like relating to the Purchased Assets.  The foregoing procedure for disposition of the Purchased Assets and liquidation of the Repurchase Assets shall not be considered to adversely affect the commercial reasonableness of any sale thereof.  Seller agrees that it would not be commercially unreasonable for Administrative Agent to dispose of the Purchased Assets or the Repurchase Assets or any portion thereof by using </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 65 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Internet sites that provide for the auction of assets similar to the Purchased Assets or the Repurchase Assets, or that have the reasonable capability of doing so, or that match buyers and sellers of assets.  Administrative Agent shall be entitled to place the Purchased Assets in a pool for issuance of mortgage-backed securities at the then-prevailing price for such securities and to sell such securities for such prevailing price in the open market.  Administrative Agent shall also be entitled to sell any or all of such Purchased Assets individually for the prevailing price. Administrative Agent shall also be entitled, in its sole good faith discretion to elect, in lieu of selling all or a portion of such Purchased Assets, to give the Seller credit for such Purchased Assets and the Repurchase Assets in an amount equal to the Asset Value of the Purchased Assets against the aggregate unpaid Repurchase Price and any other amounts owing by the Seller hereunder.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Administrative Agent may apply any proceeds from the liquidation of the Purchased Assets and Repurchase Assets to the Repurchase Prices hereunder and all other Obligations in the manner Administrative Agent deems appropriate in its sole discretion subject to the Administration Agreement.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt">Seller recognizes that the market for the Purchased Assets may not be liquid and as a result it may not be possible for Administrative Agent to sell all of the Purchased Assets on a particular Business Day, or in a transaction with the same purchaser, or in the same manner.  In view of the nature of the Purchased Assets, Seller agrees that liquidation of any Purchased Asset may be conducted in a private sale and at such price as Administrative Agent may deem commercially reasonable.  In view of the nature of the Mortgage Loans, Seller agrees that liquidation of any Mortgage Loan may be conducted in a private sale and at such price as Administrative Agent may deem commercially reasonable.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Seller shall be liable to Administrative Agent and each Buyer for (i)&#160;the amount of all reasonable legal or other expenses (including, without limitation, all costs and expenses of Administrative Agent and each 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&#8217; rights generally, further including, without limitation, the reasonable fees and expenses of counsel incurred in connection with or as a result of an Event of Default, (ii)&#160;damages in an amount equal to the cost (including all fees, expenses and commissions) of entering into or terminating hedge transactions in connection with or as a result of an Event of Default, and (iii)&#160;any other loss, damage, cost or expense directly arising or resulting from the occurrence of an Event of Default in respect of a Transaction.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 66 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">To the extent permitted by applicable law, Seller shall be liable to Administrative Agent and each 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)&#160;paid in full by Seller or (ii)&#160;satisfied in full by the exercise of Administrative Agent&#8217;s and Buyers&#8217; rights hereunder.  Interest on any sum payable by Seller under this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;16(h)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall accrue at a rate equal to the Post-Default Rate.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">i.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt">Administrative Agent shall have, in addition to its rights hereunder, any rights otherwise available to it under any other agreement or applicable law.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">j.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt">Administrative Agent may exercise one or more of the remedies available to Administrative Agent immediately upon the occurrence of an Event of Default and, except to the extent provided in subsections (a) and (d) of this Section, 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 Administrative Agent may have.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">k.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">Administrative Agent 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 Administrative Agent 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 nonjudicial process, enforcement and sale of all or any portion of the Repurchase Assets, or from any other election of remedies.  Seller recognizes that nonjudicial remedies are consistent with the usages of the trade, are responsive to commercial necessity and are the result of a bargain at arm&#8217;s length.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">l.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.67pt">Administrative Agent shall have the right to perform reasonable due diligence with respect to Seller, the Purchased Assets, which review shall be at the expense of Seller.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i0ef684a754354aadbe8176828a4c9964"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">17.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Reports</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Default Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall furnish to Administrative Agent (i)&#160;promptly, copies of any material and adverse notices (including, without limitation, notices of defaults, termination events, breaches, potential defaults or potential breaches) and any material financial information that is not otherwise required to be provided by Seller hereunder which is given to Seller&#8217;s lenders and (ii)&#160;immediately after knowledge thereof, notice of the occurrence of any (A) Event of Default hereunder, (B) default or breach by Seller or Servicer of any obligation under any Program Agreement or any material obligation under any material contract or agreement of Seller or Servicer or (C) event or circumstance that such party reasonably expects has resulted in, or will, with </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 67 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">the passage of time, result in, a Material Adverse Effect or an Event of Default.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Financial Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Seller shall furnish to Administrative Agent&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">as soon as available and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the unaudited consolidated balance sheets of Seller and its consolidated Subsidiaries as at the end of such period and the related unaudited consolidated statements of income and retained earnings and of cash flows for the Seller and its consolidated Subsidiaries for such period and the portion of the fiscal year through the end of such period, accompanied by a certificate of a Responsible Officer of Seller, which certificate shall state that said consolidated financial statements fairly present in all material respects the consolidated financial condition and results of operations of Seller and its consolidated Subsidiaries in accordance with GAAP (other than with respect to footnotes, year-end adjustments and cash flow statements) consistently applied, as at the end of, and for, such period&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">as soon as available and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the consolidated balance sheets of Seller and its consolidated Subsidiaries as at the end of such fiscal year and the related consolidated statements of income and retained earnings and of cash flows for the 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 Ernst &#38; Young LP or independent certified public accountants of recognized national standing, which opinion shall not be qualified as to the scope of audit and shall have no &#8220;going concern&#8221; qualification and shall state that said consolidated financial statements fairly present the consolidated financial condition and results of operations of Seller and its respective consolidated Subsidiaries as at the end of, and for, such fiscal year in accordance with GAAP&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">at the time the Seller furnishes each set of financial statements pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above, an Officer&#8217;s Compliance Certificate of a Responsible Officer of Seller in the form attached as Exhibit A to the Pricing Side Letter.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">as soon as available and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.7pt">such other information regarding the financial condition, operations, or business of the Seller as Administrative Agent may reasonably request&#59; and</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">the particulars of any Event of Termination in reasonable detail.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 68 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font id="i02e57a3710b742929c5ef1beb6d8fb55"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Seller shall provide the market value analysis for the valuation of its mortgage servicing rights as by a Third Party Evaluator for each monthly fiscal period, as set forth in the Officer&#8217;s Compliance Certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font id="i50e71b747eb04ce792b09e8d5661fd25"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt"> To the extent it may do so without breaching any confidentiality or other restrictions, Seller shall provide Administrative Agent, as part of the Officer&#8217;s Compliance Certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above, a list of all material actions, notices, proceedings or investigations pending with respect to which Seller has received service of process or other form of notice or, to the best of Seller&#8217;s knowledge, threatened against it, before any court, administrative or governmental agency or other regulatory body or tribunal as of such date with such information provided as noted in the applicable Schedule to Exhibit A to the Pricing Side Letter&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, if such information is subject to a confidentiality requirement, for as long as such information remains confidential, Seller shall (x) disclose to Buyer any portion of such information that is not confidential, (y) notify Buyer of any material event in a level of specificity that would not violate the confidentiality requirements and (z) promptly seek permission to disclose the information from the necessary parties and shall provide Buyer such information to the extent of such permission&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font id="i20d32ca75160452491858b95be82fde9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">upon Seller becoming aware of any Control Failure with respect to a Purchased Mortgage Loan that is an eMortgage Loan or any eNote Replacement Failure.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Notices of Certain Events</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  As soon as possible and in any event within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">after knowledge thereof, Seller shall furnish to Administrative Agent notice of the following events&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(2)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Reserved&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">any material change in accounting policies or financial reporting practices of Seller or Servicer, other than changes in accordance with GAAP&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">with respect to any Purchased Mortgage Loan, that the underlying Mortgaged Property has been damaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, or otherwise damaged so as to affect materially and adversely the value of such Mortgage Loan&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Reserved&#59;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 69 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(6)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">any material change in the material Indebtedness of the Seller, including, without limitation, any default, renewal, non-renewal, termination, increase in available amount or decrease in available amount related thereto&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(7)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Reserved&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(8)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">any other event, circumstance or condition that has resulted, or has a possibility of resulting, in a Material Adverse Effect with respect to Seller or Servicer&#59; and</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(9)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">the occurrence of any material employment dispute and a description of the strategy for resolving it that has the possibility of resulting in a Material Adverse Effect.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Servicing Tape</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  On the Reporting Date of each calendar month, Seller will furnish to Administrative Agent (i) an electronic Purchased Mortgage Loans performance data, including, without limitation, delinquency reports and volume information, broken down by product (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">i.e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, delinquency, foreclosure and net charge off reports) and (ii) electronically, in a format mutually acceptable to Administrative Agent and Seller, servicing information, including, without limitation, those fields reasonably requested by Administrative Agent from time to time, on a loan by loan basis and in the aggregate, with respect to the Purchased Mortgage Loans serviced by Seller or any Servicer for the month (or any portion thereof) prior to the Reporting Date.  In addition to the foregoing information on each Reporting Date, Seller will furnish to Administrative Agent such information upon the occurrence and continuation of an Event of Default. </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt;text-decoration:underline">Other Reports</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Seller shall deliver to Administrative Agent any other reports or information (including, without limitation, any primary mortgage insurance policy) relating to the Purchased Assets or the business or operations of Seller and Servicer as reasonably requested by Administrative Agent or as otherwise required pursuant to this Agreement or as set forth in the Officer&#8217;s Compliance Certificate delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;17(b)(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt;text-decoration:underline">DE Compare Ratio and HUD Reports.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Seller shall furnish to Administrative Agent the following notices&#58;</font></div><div style="padding-left:144pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">In the event Seller&#8217;s DE Compare Ratio equals or exceeds </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">%, Seller shall provide Administrative Agent with written notice of such occurrence within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, which notice shall include a written summary of actions Seller is taking to correct its DE Compare Ratio.  </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 70 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:144pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">In the event Seller receives any inquiry or notice from HUD regarding its DE Compare Ratio, Seller shall provide Administrative Agent with written notice of such inquiry or notice within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, regardless of Seller&#8217;s current DE Compare Ratio.  </font></div><div style="margin-top:12pt;padding-left:144pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">In the event of any action plan with respect to Seller&#8217;s DE Compare Ratio is agreed to between Seller and HUD or imposed upon Seller by HUD, Seller shall provide Administrative Agent with a written summary of such agreement or imposition, as applicable, within </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, if such information is subject to a confidentiality requirement, for as long as such information remains confidential, Seller shall (i) disclose to Buyer any portion of such information that is not confidential, (ii) notify Buyer of any material event in a level of specificity that would not violate the confidentiality requirements and (iii) promptly seek permission to disclose the information from the necessary parties and shall provide Buyer such information to the extent of such permission.</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify;text-indent:36pt"><font id="ifa40148ec296479c9b7d1c5e134ade28"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">18.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Repurchase Transactions</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">A Buyer may, in its sole election, engage in repurchase transactions (as &#8220;seller&#8221; thereunder) with any or all of the Purchased Assets and&#47;or Repurchase Assets or pledge, hypothecate, assign, transfer or otherwise convey any or all of the Purchased Assets and&#47;or Repurchase Assets with a counterparty of Buyers&#8217; choice (such transaction, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledge Transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;)&#59; provided that, (i) such Buyer&#8217;s obligations under this Agreement shall remain unchanged, (ii) such Buyer shall remain solely responsible to the other parties hereto for the performance of such obligations, and (iii) Seller shall continue to deal solely and directly with such Buyer in connection with such Buyer&#8217;s rights and obligations under this Agreement and the other Program Agreements. Any Repledge Transaction shall be effected by notice to the Administrative Agent, and shall be reflected on the books and records of the Administrative Agent.  No such Repledge Transaction shall relieve such Buyer of its obligations to transfer Purchased Assets and Repurchase Assets to Seller (and not substitutions thereof) pursuant to the terms hereof.  In furtherance, and not by limitation of, the foregoing, it is acknowledged that each counterparty under a Repledge Transaction (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Repledgee</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), is a repledgee as contemplated by Sections 9-207 and 9-623 of the UCC (and the relevant Official Comments thereunder) and such Repledgee may recognize the Transactions as a securitization.  Administrative Agent and Buyers are each hereby authorized to share this Agreement, the Program Agreements and any information delivered hereunder with the Repledgee or any potential Repledgee.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ibb0dae6b4d224e62b2c37ea38db6fb4c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">19.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Single Agreement</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent, Buyers and Seller acknowledge they have and 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 have been made in consideration of each other.  Accordingly, each of Administrative Agent, Buyers and Seller </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 71 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">agrees (i) to perform all of its obligations in respect of each Transaction hereunder, and that a default in the performance of any such obligations shall constitute a default by it in respect of all Transactions hereunder and (ii) 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. Notwithstanding anything in this Agreement to the contrary, in the event that (a) a Buyer is not an Affiliate of Administrative Agent or another Buyer (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), (b) an Event of Default shall have occurred and is continuing and (c) Administrative Agent provides written notice to the Seller to sever each Non-Affiliate Buyer&#8217;s Transactions (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and treat such Non-Affiliate Transactions as separate Transactions under this Agreement (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Severance Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), then Administrative Agent, Buyers and Seller acknowledge that each such Non-Affiliate Transaction shall be deemed a separate Transaction under a separate and distinct agreement with the same terms and conditions as set forth herein (each a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-Affiliate MRA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), and each such Non-Affiliate Buyer shall be deemed to be the administrative agent with respect to its respective Non-Affiliate Transactions under its respective Non-Affiliate MRA&#59; provided, that Transactions owned by Administrative Agent, a Buyer or any respective Affiliate shall continue to be deemed a single Transaction with Administrative Agent serving as the administrative agent for Buyers or any respective Affiliate, in each case, pursuant to the terms and conditions of this Agreement.  </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i821c38fd5a664a1e9d246a6cdd02c761"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">20.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Notices and Other Communications</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any and all notices (with the exception of Transaction Requests, which shall be delivered via electronic mail or other electronic medium agreed to by the Administrative Agent and the Seller), statements, demands or other communications hereunder may be given by a party to the other by mail, email, facsimile, messenger or otherwise to the address specified below, or so sent to such party at any other place specified in a notice of change of address hereafter received by the other.  All notices, demands and requests hereunder may be made orally, to be confirmed promptly in writing, or by other communication as specified in the preceding sentence.  In all cases, to the extent that the related individual set forth in the respective &#8220;Attention&#8221; 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.</font></div><div style="padding-left:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">If to Seller&#58; </font></div><div><font><br></font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">loanDepot.com, LLC</font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">6561 Irvine Center Drive</font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Irvine, California 92618 </font></div><div style="padding-left:126pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="padding-left:90pt;text-indent:36pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 72 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="padding-left:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">If to Administrative Agent&#58;</font></div><div><font><br></font></div><div style="margin-bottom:12pt;padding-left:108pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">For Transaction Requests</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Atlas Securitized Products, L.P.</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">230 Park Avenue, Suite 800</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">New York, NY 10169</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Attention&#58;&#160; Transaction Request&#8212;RMBS Warehouse Lending<br>E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div><font><br></font></div><div style="margin-bottom:12pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">For the Officer&#8217;s Compliance Certificate and related financial statements delivered pursuant to Section 17.b</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Subject&#58; Mortgage Finance Officer Cert &#47; Covenant Report&#58; &#91;LoanDepot.com, LLC&#93; &#91;Seller to Designate Monthly&#47;Quarterly or Annual Reporting Period&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline"> </font></div><div style="padding-left:108pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">For all other Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;<br><br>Atlas Securitized Products, L.P.</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">230 Park Avenue, Suite 800</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">New York, NY 10169</font></div><div style="margin-bottom:12pt;padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">With a copy to&#58;</font></div><div style="padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Atlas Securitized Products, L.P.</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">230 Park Avenue, Suite 800</font></div><div style="padding-left:72pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">New York, NY 10169</font></div><div style="margin-bottom:12pt;padding-left:108pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">E-mail&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i3f8840b4ffa54deaaa302ce45b2442da"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">21.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Entire Agreement&#59; Severability</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Agreement and the Administration Agreement shall supersede any existing agreements between the parties containing general terms and conditions for repurchase transactions.  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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i72c687b4a62b41adad1d8cb052d0a47f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">22.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Non assignability</font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;a.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  The Program Agreements are not assignable by Seller.  Subject to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 35</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Acknowledgement of Assignment and Administration of Repurchase Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">), Administrative Agent and Buyers may from time to time join other Buyers hereto and&#47;or assign all or a portion of their rights and obligations under this Agreement and the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 73 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Program Agreements pursuant to the Administration Agreement with Seller&#8217;s prior written consent (such consent not to be unreasonably withheld or delayed)&#59; provided, however, such consent shall not be required if Administrative Agent or a Buyer assigns its rights and obligations (i) to an Affiliate thereof, or (ii) after the occurrence of an Event of Default. Administrative Agent shall maintain, solely for this purpose as a non-fiduciary agent of Seller, for review by Seller upon written request, a register of assignees and participants (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Register</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and a copy of an executed assignment and acceptance by Administrative Agent and assignee (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment and Acceptance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), specifying the percentage or portion of such rights and obligations assigned.  The entries in the Register shall be conclusive absent manifest error, and the Seller, Administrative Agent and Buyers shall treat each Person whose name is recorded in the Register pursuant to the preceding sentence as a Buyer hereunder. Upon such assignment (in accordance with the foregoing provisions of this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">)and recordation in the Register, (a)&#160;such assignee shall be a party hereto and to each Program Agreement 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 Administrative Agent and Buyers hereunder, as applicable, and (b)&#160;Administrative Agent and Buyer, as applicable, shall be released from its obligations hereunder and under the Program Agreements.  Any assignment hereunder shall be deemed a joinder of such assignee as a Buyer hereto.  Unless otherwise stated in the Assignment and Acceptance, Seller shall continue to take directions solely from Administrative Agent unless otherwise notified by Administrative Agent in writing.  Such assignee may recognize the Transactions as a securitization.  Administrative Agent and Buyers may distribute to any prospective or actual assignee this Agreement, the other Program Agreements, any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller. Administrative Agent and Buyers may distribute to any prospective or actual assignee this Agreement, the other Program Agreements, any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller&#59; provided that any such prospective and actual assignee has agreed to abide by confidentiality obligations substantially similar to those that are applicable to Administrative Agent and&#47;or Buyers.</font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> &#160;&#160;&#160;&#160;b. &#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Participations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  Any Buyer may sell participations to one (1) or more Persons in or to all or a portion of its rights and obligations under this Agreement and under the Program Agreements&#59; provided, however, that (i)&#160;such Buyer&#8217;s obligations under this Agreement or in any Transaction under this Agreement and the other Program Agreements shall remain unchanged, (ii)&#160;such Buyer shall remain solely responsible to the other parties hereto for the performance of such obligations&#59; and (iii)&#160;Seller shall continue to deal solely and directly with Administrative Agent and&#47;or Buyers in connection with such Buyer&#8217;s rights and obligations under this Agreement and the other Program Agreements except as provided in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 11</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.  Such Participant may recognize the Transactions as a securitization. Administrative Agent and Buyers may distribute to any prospective or actual participant this Agreement, the other Program Agreements any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller. Administrative Agent and Buyers may distribute to any prospective or actual participant this Agreement, the other Program Agreements any document or other information delivered to Administrative Agent and&#47;or Buyers by Seller&#59; provided that any such prospective and actual participant has agreed to abide by confidentiality obligations substantially similar to those that are applicable to Administrative Agent and&#47;or Buyers.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 74 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i6d64fb609f474d81bcd5b1cfa3ea71a6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">23.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Set-off</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">In addition to any rights and remedies of the Administrative Agent and Buyers hereunder and by law, the Administrative Agent and Buyers shall have the right at any time an Event of Default has occurred and is continuing, without prior notice to the Seller, any such notice being expressly waived by the Seller to the extent permitted by applicable law, to set-off and appropriate and apply against any Obligation from Seller to a Buyer or any of its Affiliates 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, 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 a Buyer or any Affiliate thereof to or for the credit or the account of the Seller.  All such set-offs shall be subject to the priorities set forth in the Administration Agreement.  The Administrative Agent and the Buyers each agree promptly to notify the Seller after any such set off and application is made by the Administrative Agent or a Buyer&#59; provided, that, the failure to give such notice shall not affect the validity of such set off and application.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i64dbd90498ab4b41bbbf05c7116aff10"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">24.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Binding Effect&#59; Governing Law&#59; Jurisdiction</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">This Agreement shall be binding and inure to the benefit of the parties hereto and their respective successors and permitted assigns.  THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, AND GOVERNED BY, THE LAW OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS PRINCIPLES THEREOF.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">EACH OF SELLER, ADMINISTRATIVE AGENT AND BUYERS HEREBY WAIVES TRIAL BY JURY.  SELLER HEREBY IRREVOCABLY CONSENTS TO THE EXCLUSIVE JURISDICTION OF ANY COURT OF THE STATE OF NEW YORK, OR IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK, ARISING OUT OF OR RELATING TO THE PROGRAM AGREEMENTS IN ANY ACTION OR PROCEEDING.  EACH PARTY HEREBY SUBMITS TO, AND WAIVES ANY OBJECTION IT MAY HAVE TO, EXCLUSIVE PERSONAL JURISDICTION AND VENUE IN THE COURTS OF THE STATE OF NEW YORK AND THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK, WITH RESPECT TO ANY DISPUTES ARISING OUT OF OR RELATING TO THE PROGRAM AGREEMENTS.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i9de963e65ebc42cab03aaa38b25ce7da"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">25.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">No Waivers, Etc.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">No express or implied waiver of any Event of Default by either party shall constitute a waiver of any other Event of Default and no exercise of any remedy hereunder by any party shall constitute a waiver of its right to exercise any other remedy hereunder.  No modification or waiver of any provision of this Agreement and no consent by any party to a </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 75 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">departure herefrom shall be effective unless and until such shall be in writing and duly executed by both of the parties hereto.  Without limitation on any of the foregoing, the failure to give a notice pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">16(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> or otherwise, will not constitute a waiver of any right to do so at a later date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i45c0073365c245eb9417b8f997c7dd56"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">26.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Intent </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i247a9146563f47f882021fea309c33f8"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">The parties recognize that each Transaction is a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">repurchase agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as that term is defined in Section&#160;101 of Title&#160;11 of the United States Code, as amended, a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">securities contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as that term is defined in Section&#160;741 of Title&#160;11 of the United States Code, as amended, and a &#8220;master netting agreement&#8221; as that term is defined in Section 101(38A)(A) of the Bankruptcy Code, that all payments hereunder are deemed &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">margin payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">settlement payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as defined in Title&#160;11 of the United States Code, and that the pledge of the Repurchase Assets constitutes &#8220;a security agreement or other arrangement or other credit enhancement&#8221; that is &#8220;related to&#8221; the Agreement and Transactions hereunder within the meaning of Sections 101(38A)(A), 101(47)(A)(v) and 741(7)(A)(xi) of the Bankruptcy Code.  Seller, Administrative Agent and Buyers further recognize and intend that this Agreement is an agreement to provide financial accommodations and is not subject to assumption pursuant to Bankruptcy Code Section 365(a).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i95f2cd02a1614161b3dd0c8599d5b631"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent&#8217;s or a Buyer&#8217;s right to liquidate the Purchased Assets delivered to it in connection with the Transactions hereunder or to accelerate or terminate this Agreement or otherwise exercise any other remedies pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof is a contractual right to liquidate, accelerate or terminate such Transaction as described in Bankruptcy Code Sections 555, 559 and 561&#59; any payments or transfers of property made with respect to this Agreement or any Transaction to satisfy a Margin Deficit shall be considered a &#8220;margin payment&#8221; as such term is defined in Bankruptcy Code Section 741(5).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="ifd0de6e9f0af400f9f6cb4b60d73e14d"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">The parties agree and acknowledge that if a party hereto is an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">insured depository institution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">,&#8221; as such term is defined in the Federal Deposit Insurance Act, as amended (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), then each Transaction hereunder is a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">qualified financial contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">,&#8221; as that term is defined in FDIA and any rules, orders or policy statements thereunder (except insofar as the type of assets subject to such Transaction would render such definition inapplicable).</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i8cd55391e34745d09c58a5f5d48fc89c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">It is understood that this Agreement constitutes a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">netting contract</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as defined in and subject to Title&#160;IV of the Federal Deposit Insurance Corporation Improvement Act of 1991 (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">FDICIA</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) and each payment entitlement and payment obligation under any Transaction hereunder shall constitute a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">covered contractual payment entitlement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">covered contractual payment obligation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;, respectively, as defined in and subject to FDICIA (except insofar as one or both of the parties is not a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">financial institution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; as that term is defined in FDICIA).</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 76 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i31789ef1707541d99b94946756db7b0a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">This Agreement is intended to be a &#8220;repurchase agreement&#8221; and a &#8220;securities contract,&#8221; within the meaning of Section 101(47), Section&#160;555, Section&#160;559 and Section 741 under the Bankruptcy Code.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i9767a00c1a0d44e490350e6b3201b0ae"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:29.01pt">Each party agrees that this Agreement is intended to create mutuality of obligations among the parties, and as such, the Agreement constitutes a contract which (i)&#160;is between all of the parties and (ii)&#160;places each party in the same right and capacity.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i20b0008a2b7d49a4a81539cfd29ba9c6"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">27.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Disclosure Relating to Certain Federal Protections</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The parties acknowledge that they have been advised that&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">in the case of Transactions in which one of the parties is a broker or dealer registered with the SEC under Section&#160;15 of the 1934 Act, the Securities Investor Protection Corporation has taken the position that the provisions of the SIPA do not protect the other party with respect to any Transaction hereunder&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">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&#160;15C of the 1934 Act, SIPA will not provide protection to the other party with respect to any Transaction hereunder&#59; and</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="iaa40676bb0664a3cae6ab30c97cd3d76"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">28.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Power of Attorney</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Seller authorizes Administrative Agent to file such financing statement or statements relating to the Repurchase Assets as Administrative Agent, at its option, may deem appropriate.  Seller appoints Administrative Agent as Seller&#8217;s agent and attorney-in-fact to execute any such financing statement or statements in Seller&#8217;s name and to perform all other acts which Administrative Agent deems appropriate to perfect and continue its ownership interest in and&#47;or the security interest granted hereby, if applicable, and to protect, preserve and realize upon the Repurchase Assets, including, but not limited to, the right to endorse notes, complete blanks in documents, transfer servicing, and sign assignments on behalf of Seller as its agent and attorney-in-fact.  This agency and power of attorney is coupled with an interest and is irrevocable without Administrative Agent&#8217;s consent.  Notwithstanding the foregoing, the power of attorney hereby granted may be exercised only during the occurrence and continuance of any Event of Default hereunder. Seller shall pay the filing costs for any financing statement or statements prepared pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 28</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.  In addition the foregoing, Seller agrees to execute a Power of Attorney, in the form of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereto, to be delivered on the date hereof and the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 77 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent and the Buyers hereby confirm and agree that such Power of Attorney may be exercised only during the occurrence and continuance of an Event of Default hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i26c9d919007b488d9d30b376a0d0a1d7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">29.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Buyers May Act Through Administrative Agent</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Each Buyer has designated the Administrative Agent under the Administration Agreement for the purpose of performing any action hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i3b8dde93b5ed4f5eaf58b87971026371"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">30.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Indemnification&#59; Obligations</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Seller agrees to hold Administrative Agent, Buyers and each of their respective Affiliates and their officers, directors, employees, agents and advisors (each, an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnified Party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) harmless from and indemnify each Indemnified Party (and will reimburse each Indemnified Party as the same is incurred) against all liabilities, losses, damages, judgments, costs and expenses (including, without limitation, reasonable fees and expenses of counsel) of any kind which may be imposed on, incurred by, or asserted against any Indemnified Party relating to or arising out of this Agreement, any Transaction Request, any Program Agreement or any transaction contemplated hereby or thereby (including, without limitation, (i) any such liabilities, losses, damages, judgments, costs and expenses directly arising from any acts or omissions of such party and (ii) any wire fraud or data or systems intrusions which causes Administrative Agent or Buyers to suffer any such direct liability, loss, damage, judgment, cost and&#47;or expense), resulting from anything other than the Indemnified Party&#8217;s gross negligence or willful misconduct.  Seller also agrees to reimburse each Indemnified Party for all reasonable expenses in connection with the enforcement of this Agreement and the exercise of any right or remedy provided for herein, any Transaction Request and any Program Agreement, including, without limitation, the reasonable fees and disbursements of counsel.  Seller&#8217;s agreements in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 30</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall survive the payment in full of the Repurchase Price and the expiration or termination of this Agreement.  Seller hereby acknowledges that its obligations hereunder are recourse obligations of Seller and are not limited to recoveries each Indemnified Party may have with respect to the Purchased Assets.  Seller also agrees not to assert any claim against Administrative Agent, each Buyer or any of its Affiliates, or any of their respective officers, directors, employees, attorneys and agents, on any theory of liability, for special, indirect, consequential or punitive damages arising out of or otherwise relating to the facility established hereunder, the actual or proposed use of the proceeds of the Transactions, this Agreement or any of the transactions contemplated thereby.  THE FOREGOING INDEMNITY AND AGREEMENT NOT TO ASSERT CLAIMS EXPRESSLY APPLIES, WITHOUT LIMITATION, TO THE NEGLIGENCE (BUT NOT GROSS NEGLIGENCE OR WILLFUL MISCONDUCT) OF THE INDEMNIFIED PARTIES.  </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 78 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt;text-decoration:underline">Reserved</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">Without limiting the provisions of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 30(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, if Seller fails to pay when due any costs, expenses or other amounts payable by it under this Agreement, including, without limitation, fees and expenses of counsel and indemnities, such amount may be paid on behalf of Seller by Administrative Agent (subject to reimbursement by Seller), in its sole discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ib777428681fa48a7a084af00adb1e128"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">31.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Counterparts</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original, and all such counterparts shall together constitute one and the same instrument.  Delivery of an executed counterpart of a signature page of this Agreement in a Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Agreement.  The parties agree that this Agreement, any addendum or amendment hereto or any other document necessary for the consummation of the transactions contemplated by this Agreement may be accepted, executed or agreed to through the use of an electronic signature in accordance with the E-SIGN, UETA and any applicable state law.&#160; Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any secure third party electronic signature capture service with appropriate document access tracking, electronic signature tracking and document retention as may be approved by the Administrative Agent in its sole discretion. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i84a3772677384d459740eab2bb509da9"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">32.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Confidentiality </font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i321c21a783e74e20a34f905c83d33e89"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">This Agreement and its terms, provisions, supplements and amendments, and notices hereunder, including without limitation information contained in the monthly Officer&#8217;s Compliance Certificate, as well as any information conveyed to Administrative Agent and Buyers during the course of any due diligence review, shall be kept confidential and shall not be divulged to any third party without the written consent of such party except for (i) disclosure to potential and actual assignees, Repledgees and Participants (pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> hereof), (ii) disclosure to a party&#8217;s direct and indirect Affiliates and Subsidiaries, attorneys or accountants, but only to the extent such disclosure is necessary and such parties agree to hold all information in strict confidence, (iii) disclosure required by law, rule, regulation or order of a court or other regulatory body, (iv) any of such information is in the public domain other than due to a breach of this covenant, or (v) disclosure to any approved hedge counterparty to the extent necessary to obtain any Interest Rate Protection Agreement.  Notwithstanding the foregoing or anything to the contrary contained herein or in any other Program Agreement, 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 </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 79 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">such tax treatment&#59; provided that, except as set forth in the first sentence of this clause (a), Seller may not disclose the name of or identifying information with respect to Administrative Agent and Buyers or any pricing terms (including, without limitation, the Purchase Price, Pricing Rate, Purchase Price Percentage, Asset Value, Maximum Value Amount and any other fees specified in the Pricing Side Letter) 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 the Administrative Agent.</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font id="i33f68604bd4b428e98fb976422a34fa2"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Notwithstanding anything in this Agreement to the contrary, the Seller shall comply 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 Purchased Assets and&#47;or any applicable terms of this Agreement (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Confidential Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;).  Seller understands that the Confidential Information may contain &#8220;nonpublic personal information&#8221;, as that term is defined in Section&#160;509(4) of the Gramm-Leach-Bliley Act (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), and Seller agrees to maintain such nonpublic personal information that it receives hereunder in accordance with the Act and other applicable federal and state privacy laws.  The Seller shall implement such physical and other security measures as shall be necessary to (a)&#160;ensure the security and confidentiality of the &#8220;nonpublic personal information&#8221; of the &#8220;customers&#8221; and &#8220;consumers&#8221; (as those terms are defined in the Act) of Administrative Agent and Buyers or any Affiliate of Administrative Agent or Buyers which Seller holds, (b)&#160;protect against any threats or hazards to the security and integrity of such nonpublic personal information, and (c)&#160;protect against any unauthorized access to or use of such nonpublic personal information. Seller represents and warrants that it has implemented appropriate measures to meet the objectives of Section&#160;501(b) of the Act and of the applicable standards adopted pursuant thereto, as now or hereafter in effect.  Upon request, Seller will provide evidence reasonably satisfactory to allow Administrative Agent and&#47;or Buyers to confirm that the providing party has satisfied its obligations as required under this Section.  Without limitation, this may include Administrative Agent&#8217;s or Buyers&#8217; review of audits, summaries of test results, and other equivalent evaluations of the Seller.  Seller shall notify Administrative Agent immediately following discovery of any breach or compromise of the security, confidentiality, or integrity of nonpublic personal information of the customers and consumers of Administrative Agent, Buyers or any Affiliate of Buyers provided directly to the Seller by Administrative Agent, Buyers or such Affiliate.  Seller shall provide such notice to Administrative Agent by personal delivery, by facsimile with confirmation of receipt, or by overnight courier with confirmation of receipt to the applicable requesting individual.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 80 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i9cc4be4a7f5e4ec0bc3131125bc1e716"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">33.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Recording of Communications</font></div><div style="margin-bottom:6pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent, Buyers and Seller shall have the right (but not the obligation) from time to time to make or cause to be made tape recordings of communications between its employees and those of the other party with respect to Transactions.  Administrative Agent, Buyers and Seller consent to the admissibility of such tape recordings in any court, arbitration, or other proceedings.  The parties agree that a duly authenticated transcript of such a tape recording shall be deemed to be a writing conclusively evidencing the parties&#8217; agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="i3ddfee0095af4b69a4d74da5e1112de4"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">34.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">  &#160;&#160;&#160;&#160;Conflicts</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify"><font id="idde68f5298924cb6a2d3200f8421473e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;In the event of any conflict between the terms of this Agreement and any other Program Agreement, the documents shall control in the following order of priority&#58;  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">first</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, the terms of the Pricing Side Letter shall prevail, then the terms of the Administration Agreement, then the terms of this Agreement shall prevail, and then the terms of the other Program Agreements shall prevail. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 81 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i45ba080f26124c61b9c6f1c03c09edc3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">35.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Acknowledgment of Assignment and Administration of Repurchase Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:12pt;padding-left:54pt;text-align:justify"><font id="i4f34a11f35f64d088bd6c64471dded60"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 22</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Non-assignability</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) of this Agreement, Administrative Agent may sell, transfer and convey or allocate certain Purchased Assets and the related Repurchase Assets and related Transactions to certain affiliates of Administrative Agent and&#47;or one (1) or more CP Conduits (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Additional Buyers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) with the prior written consent of Seller&#59; provided that such consent shall not be required to the extent Administrative Agent or Buyers sells, transfers or conveys to (i) to an Affiliate thereof or (ii) during an Event of Default. Administrative Agent shall notify the Seller promptly after each sale, transfer, conveyance or allocation, provided that the failure to give such notice shall not affect the validity of such sale, transfer, conveyance or allocation. Seller hereby acknowledges and agrees to the joinder of such Additional Buyers and the assignments and the terms and provisions set forth in the Administration Agreement&#59; provided that any Confidential Information provided to an Additional Buyer shall be provided subject to a commercially reasonable non-disclosure agreement.  The Administrative Agent shall administer the provisions of this Agreement, subject to the terms of the Administration Agreement for the benefit of the Buyers and any Repledgees, as applicable.  For the avoidance of doubt, all payments, notices, communications and agreements pursuant to this Agreement shall be delivered to, and entered into by, the Administrative Agent for the benefit of the Buyers and&#47;or the Repledgees, as applicable.  Furthermore, to the extent that the Administrative Agent exercises remedies pursuant to this Agreement, any of the Administrative Agent and&#47;or any Buyer will have the right to bid on and&#47;or purchase any of the Repurchase Assets pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> above (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remedies Upon Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">).  The benefit of all representations, rights, remedies and covenants set forth in this Agreement shall inure to the benefit of the Administrative Agent on behalf of each Buyer and Repledgees, as applicable.  All provisions of this Agreement shall survive the transfers contemplated herein (including any Repledge Transactions) and in the Administration Agreement, except to the extent such provisions are modified by the Administration Agreement.  In the event of a conflict between the Administration Agreement and this Agreement, the terms of the Administration Agreement shall control.  Notwithstanding that multiple Buyers may purchase individual Purchased Mortgage Loans subject to Transactions entered into under this Agreement, all Transactions shall continue to be deemed a single Transaction and all of the Repurchase Assets shall be security for all of the Obligations hereunder, subject to the priority of payments provisions set forth in the Administration Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="id5ba2b6834f645cc9c88009165cbd805"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">36.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Periodic Due Diligence Review</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Seller acknowledges that Administrative Agent and Buyers have the right to perform continuing due diligence reviews with respect to Seller, the Purchased Assets, for purposes of verifying compliance with the representations, warranties and specifications made hereunder, for the purpose of performing quality control review of the Purchased Assets or </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 82 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">otherwise, and Seller agrees that upon reasonable (but no less than </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">) prior notice unless an Event of Default shall have occurred and be continuing, in which case no notice is required, to Seller, Administrative Agent, Buyers or their authorized representatives will be permitted during normal business hours to examine, inspect, and make copies and extracts of, the Asset Files and any and all documents, data, records, agreements, instruments or information relating to such Purchased Assets (including, without limitation, quality control review) in the possession or under the control of Seller and&#47;or the Custodian. Seller also shall make available to Administrative Agent and Buyers a knowledgeable financial or accounting officer for the purpose of answering questions respecting the Asset Files and the Purchased Assets.  Without limiting the generality of the foregoing, Seller acknowledges that Administrative Agent and Buyers may purchase Purchased Assets from Seller based solely upon the information provided by Seller to Administrative Agent and Buyers in the Asset Schedule and the representations, warranties and covenants contained herein, and that Administrative Agent or Buyers, at their option, have the right at any time to conduct a partial or complete due diligence review on some or all of the Purchased Assets purchased in a Transaction, including, without limitation, ordering an Acceptable Valuation, new credit reports and new appraisals on the related Mortgaged Properties and otherwise re-generating the information used to originate such Mortgage Loans.  Administrative Agent or Buyers may underwrite such Purchased Assets itself or engage a mutually agreed upon third party underwriter to perform such underwriting.  Seller agrees to cooperate with Administrative Agent, Buyers and any third party underwriter in connection with such underwriting, including, but not limited to, providing Administrative Agent, Buyers and any third party underwriter with access to any and all documents, records, agreements, instruments or information relating to such Purchased Assets in the possession, or under the control, of Seller.  Seller further agrees that Seller shall pay all out-of-pocket costs and expenses incurred by Administrative Agent and Buyers in connection with Administrative Agent&#8217;s and Buyers&#8217; activities pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 36</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i0f0cc28ae2e142bd9c0bd7eb34667644"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">37.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:21pt">A</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">uthorizations</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any of the persons whose signatures and titles appear on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> are authorized, acting singly, to act for Seller or Administrative Agent to the extent set forth therein, as the case may be, under this Agreement.  The Seller may amend </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> from time to time by delivering a revised </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> to Administrative Agent and expressly stating that such revised </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall replace the existing </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i9a55c03aed144a39b0226a813175ec4f"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">38.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Administration of Repurchase Agreement</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">To the extent that the Administrative Agent exercises remedies pursuant to this Agreement, any of the Administrative Agent and&#47;or any Buyer will have the right to bid on and&#47;or purchase any of the Repurchase Assets pursuant to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Remedies Upon Default</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">).  The benefit of all representations, rights, remedies and covenants set forth in the Agreement shall inure to the benefit of the Administrative Agent on behalf of each Buyer and&#47;or the Repledgees.  All provisions of the Agreement shall survive the transfers contemplated herein (including any Repledge Transactions) and in the Administration Agreement, except to the extent such provisions are modified by the Administration Agreement. In the event of a conflict between the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 83 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administration Agreement and this Agreement, the terms of the Administration Agreement shall control. Notwithstanding that multiple Buyers may purchase individual Mortgage Loans subject to Transactions entered into under this Agreement, all Transactions shall continue to be deemed a single Transaction and all of the Repurchase Assets shall be security for all of the Obligations hereunder, subject to the priority of payments provisions set forth in the Administration Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i684909e9d50f4812821aa5e814afeb96"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">39.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Acknowledgement of Anti-Predatory Lending Policies</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Administrative Agent has in place internal policies and procedures that expressly prohibit its purchase of any High Cost Mortgage Loan.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i8b583e9cc2ea436db3db174d2ff48aab"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">40.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Documents Mutually Drafted</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The Seller, Administrative Agent and the Buyers agree that this Agreement and each other Program Agreement 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.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i140aa109604f4a6f9ccba1b83952beec"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">41.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">General Interpretive Principles</font></div><div style="margin-bottom:12pt;text-indent:90pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">For purposes of this Agreement, except as otherwise expressly provided or unless the context otherwise requires&#58;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">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&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">accounting terms not otherwise defined herein have the meanings assigned to them in accordance with GAAP&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">references herein to &#8220;Articles&#8221;, &#8220;Sections&#8221;, &#8220;Subsections&#8221;, &#8220;Paragraphs&#8221;, and other subdivisions without reference to a document are to designated Articles, Sections, Subsections, Paragraphs and other subdivisions of this Agreement&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">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&#59;</font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9.68pt">the words &#8220;herein&#8221;, &#8220;hereof&#8221;, &#8220;hereunder&#8221; and other words of similar import refer to this Agreement as a whole and not to any particular provision&#59; </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">f.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:11.01pt">the term &#8220;include&#8221; or &#8220;including&#8221; shall mean without limitation by reason of enumeration&#59; </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 84 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">g.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">all times specified herein or in any other Program Agreement (unless expressly specified otherwise) are local times in New York, New York unless otherwise stated&#59; </font></div><div style="margin-bottom:12pt;padding-left:90pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">h.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:9pt">all references herein or in any Program Agreement to &#34;good faith&#34; means good faith as defined in Section 1-201 of the UCC as in effect in the State of New York&#59; and an Event of Default that has been waived in writing shall be deemed not to be continuing.</font></div><div style="text-align:justify;text-indent:36pt"><font id="ic50dba922831440e891dc759ea0fdb3b"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">42.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Bankruptcy Non-Petition</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="i2a02cc95c5394459840c10bb57e76217"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The parties hereby agree that they shall not institute against, or join any other person in instituting against, any Buyer that is a CP Conduit any bankruptcy, reorganization, arrangement, insolvency or liquidation proceeding, or other proceeding under any federal or state bankruptcy or similar law, for one (1) year and one (1) day after the latest maturing commercial paper note issued by the applicable CP Conduit is paid in full. Nothing in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 42</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> shall preclude any party (i) from filing any claim prior to the expiration of the aforementioned one year and one day period in (A) any insolvency proceeding voluntarily filed or commenced by such CP Conduit or (B) any involuntary insolvency proceeding filed or commenced by a Person other than such party, or (ii) from commencing against such CP Conduit any legal action which is not an insolvency proceeding. </font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="if43a611d230b4e528ab2939e59caad41"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">43.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Limited Recourse</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The obligations of each Buyer under this Agreement or any other Program Agreement are solely the corporate obligations of such Buyer.  No recourse shall be had for the payment of any amount owing by any Buyer under this Agreement, or for the payment by any Buyer of any fee in respect hereof or any other obligation or claim of or against such Buyer arising out of or based on this Agreement, against any stockholder, partner, member, employee, officer, director or incorporator or other authorized person of such Buyer. In addition, notwithstanding any other provision of this Agreement, the parties agree that all payment obligations of any Buyer that is a CP Conduit under this Agreement shall be limited recourse obligations of such Buyer, payable solely from the funds of such Buyer available for such purpose in accordance with its commercial paper program documents.  Each party waives payment of any amount which such Buyer does not pay pursuant to the operation of the preceding sentence until the day which is at least one (1) year and one (1) day after the payment in full of the latest maturing commercial paper note (and waives any &#8220;claim&#8221; against such Buyer within the meaning of Section 101(5) of the Bankruptcy Code or any other Debtor Relief Law for any such insufficiency until such date). </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 85 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="ibba629a16d394546ac1c9aa45968c8ee"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">44.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt"> Pool Subdivisions</font></div><div style="margin-top:12pt;text-align:justify;text-indent:72pt"><font id="ie825db7e744845c190ae7e001b8504b7"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The Administrative Agent may from time to time deliver to Seller a Pool Subdivision Notice which notice shall identify a Pool of Purchased Mortgage Loans that shall be treated separately from the remaining Purchased Mortgage Loans (which remaining Purchased Mortgage Loans shall constitute another Pool).  The Administrative Agent may modify any such Pool Subdivision Notice from time to time to readjust the composition of the Pools identified therein.  Following delivery of a Pool Subdivision Notice, the calculations with respect to Price Differential (and all of the component calculations used in determining such calculation) shall be calculated separately on the basis of the Purchased Mortgage Loans comprising each Pool, which shall result in a separate Price Differential for each Pool.  For the avoidance of doubt, a Pool Subdivision Notice shall not (a) modify or otherwise affect the rights and obligations of the parties under the Program Agreements except as expressly contemplated in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 44</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#59; and (b) shall not be construed as a Severance Notice as contemplated by </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 19</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font id="id2bad1dbc42e4481a13727e52cb80b9a"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">45.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Nominee</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="if89354a27a3d41838e0ff85e704468b3"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">Seller, Administrative Agent and the Buyers hereby acknowledge and agree, and Seller hereby appoints, the Nominee as (i) their nominee as mortgagee of record and payee on the FHA Connection System with respect to each Early Buyout Loan, and the Nominee hereby accepts such appointment, and (ii) as nominee and agent of Seller, Administrative Agent and the Buyers as set forth herein, to the extent applicable.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="i61ce714c9a5140649ab5493bce67d69c"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Following receipt by Nominee of written notice of the occurrence of an Event of Default, the Nominee agrees to take direction from the Administrative Agent with respect to the FHA Loans, Early Buyout Loans and any related Purchased Mortgage Loans.  </font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ia5ab498f0a174b88a1d292411c263847"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.68pt">It is the intent of the Seller, Servicer, Administrative Agent and the Buyers that the Nominee retains bare legal title to the Early Buyout Loans and the related Purchased Mortgage Loans for all purposes including, without limitation, for purposes of Section 541(d) of the Bankruptcy Code and accordingly, Nominee, in their capacity as a nominee, shall have no property right to such Purchased Mortgage Loans.</font></div><div style="margin-top:12pt;padding-left:72pt;text-align:justify"><font id="ic6e46d285728458f865abb49ca4c154e"></font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27pt">Administrative Agent may, upon notice to the Seller, terminate the Nominee and appoint itself or another person as the successor nominee following an Event of Default that is continuing.</font></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#91;Signature Page Follows&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- 86 -  </font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_10"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">IN WITNESS WHEREOF, the undersigned have caused this Agreement to be duly executed as of the date first above written.</font></div><div><font><br></font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ATLAS SECURITIZED PRODUCTS, L.P.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, as Administrative Agent and a Buyer</font></div><div style="text-align:justify"><font><br></font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">By&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Atlas Securitized Products GP, LLC, its general partner</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#47;s&#47; Dominic Obaditch</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58; Dominic Obaditch<br>Title&#58; Managing Director</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">AGF WHCO 1-A3 LP</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, as a Buyer</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By&#58; AASP Management, LP, its investment manager</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#58;&#47;s&#47; William B. Kuesel</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58; William B. Kuesel<br>Title&#58; Vice President and AGM General Counsel, Americas</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to the Master Repurchase Agreement (Atlas-WHCO&#47;loanDepot)</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">LOANDEPOT.COM, LLC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">, as Seller</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">By</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#58;&#47;s&#47;David Hayes</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">       Name&#58; David Hayes</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">       Title&#58; Chief Financial Officer</font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to the Master Repurchase Agreement (Atlas-WHCO&#47;loanDepot)</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_13"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">SCHEDULE 1-A</font></div><div style="margin-bottom:3pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Cambria',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Schedule 1-A-1</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_16"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Schedule 1-A-1</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_19"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:right"><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SCHEDULE 2</font></div><div style="margin-top:12pt;padding-left:9pt;padding-right:9pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-top:12pt;padding-left:9pt;padding-right:9pt;text-align:center"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Schedule 2 (Master Repurchase Agreement)(LoanDepot)</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline"> </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Schedule 2</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_22"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">SCHEDULE 3</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Schedule 3</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10&#160;&#160;&#160;&#160;</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_25"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">EXHIBIT A</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Schedule 3</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45006999v10&#160;&#160;&#160;&#160;</font></div></div></div><div id="if5a69f847fb14f96bca1b2e86948e737_28"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">EXHIBIT B</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exhibit B</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">LEGAL02&#47;45069231v5</font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>ldi-20241114.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:995fa7f8-c64f-4cd0-b8e5-17acf6117817,g:aae87d38-ceeb-4427-ae12-2f208136c1ce-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ldi="http://www.loandepot.com/20241114" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.loandepot.com/20241114">
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ldi-20241114_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ldi-20241114_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.loandepot.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>ldi-20241114_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:995fa7f8-c64f-4cd0-b8e5-17acf6117817,g:aae87d38-ceeb-4427-ae12-2f208136c1ce-->
<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:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_dei_SecurityExchangeName_29699f24-3bb8-4354-aa9f-8b30df3bae96_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_feb339ec-2e46-42c2-b19c-a2050838d8d2_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_WrittenCommunications_0f16b378-9775-4c3b-9285-d418574f7b85_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_7b84f6dd-bbab-4b2a-853e-5e4e51639f68_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_61c948fe-14dd-4d14-a6ae-977eb4c6f067_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_3a03ce6a-ad85-4b5b-b4dd-c64a98fd66fa_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_50968289-5f0d-4663-9c73-37110b069c45_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_1c24fa31-4ecd-4456-9442-d3a0c7d2f7d7_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_ece459d0-0a38-4855-a066-99c145c420d0_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_87c01b78-5344-4051-b76c-f5dbefdccc25_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementTenderOffer_e3da7bcb-68fc-4a3d-abbf-ded9518eaa85_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SolicitingMaterial_da9042d8-557d-4a2b-a667-9921d69d7f43_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_5fe2806f-4261-4c0d-bbf9-800a14d72ba7_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_99ac5a5d-3467-4c51-850c-107d8238f160_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_23042f9f-0eb1-475a-ad2f-4a4ad4025ed8_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_feb9d9b0-3502-4e61-8796-8cdd64376c2f_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_feba4da0-77f2-466d-a410-45f5de935487_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_d89145fb-1187-488f-b081-a6cc77b48787_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_35c780cd-5d4f-4561-8af4-4d3b64d9023e_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_2eda6cb3-61ec-4093-8889-98b5dd49ad18_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_557d4ba8-53a0-4189-a47a-837608801699_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_2ac61935-60dd-489a-833a-0a9027ae3b91_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>ldi-20241114_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:995fa7f8-c64f-4cd0-b8e5-17acf6117817,g:aae87d38-ceeb-4427-ae12-2f208136c1ce-->
<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:roleRef roleURI="http://www.loandepot.com/role/Cover" xlink:type="simple" xlink:href="ldi-20241114.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.loandepot.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_c45de58d-fb06-4aea-b34f-259b7a972991" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_DocumentType_c45de58d-fb06-4aea-b34f-259b7a972991" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_6910f8c0-76c8-42eb-ac2c-d7a99ddbefbc" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_DocumentPeriodEndDate_6910f8c0-76c8-42eb-ac2c-d7a99ddbefbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_9418635f-2bff-4f7c-b827-2c240731362a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityRegistrantName_9418635f-2bff-4f7c-b827-2c240731362a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_52c8ad43-7362-49bc-aa17-bdac7ef8bf31" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityIncorporationStateCountryCode_52c8ad43-7362-49bc-aa17-bdac7ef8bf31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_9979571b-b442-4393-a3b6-d048cdefc22b" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityFileNumber_9979571b-b442-4393-a3b6-d048cdefc22b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_a7b59463-0a71-41cd-b8ae-c15196d337f4" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityTaxIdentificationNumber_a7b59463-0a71-41cd-b8ae-c15196d337f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_fc5d7c6a-f321-4533-b39b-b5b26f5aaa24" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityAddressAddressLine1_fc5d7c6a-f321-4533-b39b-b5b26f5aaa24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_24f4e189-485c-4d0c-9ae6-321ab2b50f11" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityAddressCityOrTown_24f4e189-485c-4d0c-9ae6-321ab2b50f11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_4e2b56ae-0172-48c4-9bec-eea74a68f903" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityAddressStateOrProvince_4e2b56ae-0172-48c4-9bec-eea74a68f903" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_c2952c60-598a-4843-a38c-7cef3125eb66" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityAddressPostalZipCode_c2952c60-598a-4843-a38c-7cef3125eb66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_2e0fa422-7ed6-4317-b519-0b34519be9d9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_CityAreaCode_2e0fa422-7ed6-4317-b519-0b34519be9d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_8d64ad45-8b26-481e-8874-f7fddc21eb87" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_LocalPhoneNumber_8d64ad45-8b26-481e-8874-f7fddc21eb87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_41f9ad33-01c4-4563-8a6e-e822a2f3328f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_WrittenCommunications_41f9ad33-01c4-4563-8a6e-e822a2f3328f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_bd4052b6-7877-47cf-adf6-97def5b04956" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_SolicitingMaterial_bd4052b6-7877-47cf-adf6-97def5b04956" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_0d18d7cb-730e-4dee-96cc-bca869f7bbc5" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_PreCommencementTenderOffer_0d18d7cb-730e-4dee-96cc-bca869f7bbc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_5d66cc20-87f2-4bff-89b4-e5b74b04fb2d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_5d66cc20-87f2-4bff-89b4-e5b74b04fb2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_86a71fbf-33fe-4242-9579-c9f2ceba955f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_Security12bTitle_86a71fbf-33fe-4242-9579-c9f2ceba955f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_75c8f70d-b3e8-41e8-9296-d44b39984a0c" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_TradingSymbol_75c8f70d-b3e8-41e8-9296-d44b39984a0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_442830fa-6cd4-4493-b9e9-99229eadadeb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_SecurityExchangeName_442830fa-6cd4-4493-b9e9-99229eadadeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_07ec2c83-ec5b-464d-8f0d-7180ee81e047" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityEmergingGrowthCompany_07ec2c83-ec5b-464d-8f0d-7180ee81e047" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_cac5d66d-2078-410f-8c5c-62a31055b9ec" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_AmendmentFlag_cac5d66d-2078-410f-8c5c-62a31055b9ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_5b94df6a-b3df-4acf-a1db-9f5411817f7a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_fc6fa13c-e4d1-4e8f-aae7-c1f798599f80" xlink:to="loc_dei_EntityCentralIndexKey_5b94df6a-b3df-4acf-a1db-9f5411817f7a" xlink:type="arc" 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';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.3</span><table class="report" border="0" cellspacing="2" id="idm46006708340608">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Nov. 14, 2024</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_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<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_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Nov. 14,  2024<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">loanDepot, 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_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or 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">001-40003<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">85-3948939<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">6561 Irvine Center Drive<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_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Irvine<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_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CA<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_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">92618<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_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(888)<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_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">337-6888<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_WrittenCommunications', window );">Written Communications</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_SolicitingMaterial', window );">Soliciting Material</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_PreCommencementTenderOffer', window );">Pre-commencement 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_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer 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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Class&#160;A Common Stock, $0.001 Par Value<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_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">LDI<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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<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_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</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_AmendmentFlag', window );">Amendment Flag</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_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001831631<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_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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<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>
</div></td></tr>
</table>
<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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</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_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> -Section 14a<br> -Number 240<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>
</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_TradingSymbol">
<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>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</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_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>
</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
MRX-S6;?UT - !   ?!   !@   !X;"]W;W)K<VAE971S+W-H965T,2YX;6R5
MF&]SXC80QK^*QNUT[F:2^!\0DP(S!)*6N5R.">G=M)V^$+8 36S)E>00OGU7
MAMATSJRY-[%EO(]_TJX>21ELI7K1&\8,><M2H8?.QIC\QG5UO&$9U5<R9P)^
M64F540--M79UKAA-RJ L=0//Z[D9Y<(9#<IG<S4:R,*D7+"Y(KK(,JIVMRR5
MVZ'C.^\/GOAZ8^P#=S3(Z9HMF/DCGRMHN95*PC,F-)>"*+8:.F/_YC;HV(#R
MC:^<;?71/;%=64KY8ANS9.AXEHBE+#96@L+EE4U8FEHEX/CW(.I4W[2!Q_?O
MZO=EYZ$S2ZK91*;?>&(V0R=R2,)6M$C-D]S^S@X=ZEJ]6*:Z_$NV^W<['8?$
MA38R.P0#0<;%_DK?#@-Q%!#V3P0$AX"@Y-Y_J*2<4D-' R6W1-FW0<W>E%TM
MHP&."YN5A5'P*X<X,YK(5Z8&K@$I^\"-#V&W^[#@1-BC?+TB?N>"!%[0^7^X
M"P051E!A!*5>B&&0O\=+;10DZI\FHKU"IUG!5N^-SFG,A@Z4IV;JE3FC7W[R
M>]ZO"%]8\868^F@JXP)JT9#G7<Z:X/#PZ/(3 M&I(#KG0<R9XC(A=R(AD/1&
M'ERI2E];_KH56A<5O!.&FQUY8FMN,PB,CS1K!,-U4DG%E.727)"9B*\0LEY%
MUCN'#-2DRJ6BU@LNR,+ N!&IR$06PJ@=7)-&7%Q\>H<07E>$U^<0WO.4D<<B
M6S;/1US#\_S+CN=Y(<(353S1.3S/](W,$B@WON)Q.6P(':X8=2_#?B?JAWT$
MKU_A]<_!&R<)3'-]\7Y#'N ]\D4T9A%7['5[/IFI5RLP@0Z#$TT5K!4(K._5
M_NK]$.[$MJ#PGN56-/HN+K?'Q,B.G-__(;)J3LR5A(_$C2/9HCD98VCU:N"C
M9OX=VEQJ0U/R%\]/3M06Q7[0\R.,K5X)?-S+RP2.80=T&@47^!!%T4<,I5X/
M?-S&'V0,HS+?2($Y1XM(&%Y?]@ )(ZJ7 1_W[V^*&\,$#$V6%>+@&[J1"A=:
MT52C95[[OX][]$*F/.:&BS7Y# 6N.$T;>7"55I[:[7W<JN>*7<8P/ QFV'Y+
MP40"EO-EM3J1/UROE:SV?1^WZ>_(9EH70-8*B,NV M;.[^-&_<P-K)%R1?S@
MP_(C6;"X@'K;-3+A2I.4:KW?'8[+8H75;6%D_')!?O:N8#4E<ZK(5YH6&'E0
MKP(!;MO/BB:V A>[;"D;ZZ]%X&$ZPT!JTP]P@WX?,W+W%F^H6+.3&[46H<<_
M%]CF)SC:^9_E]7<94VL[1+^!@MG8I.14-.:V1;"MWH+:Z@/<J<<P"Y)R)MRG
M=-V(@@NTHM16'^ N?1@ENSU1X/DSF)%OY!-K'A]<"K:)?A3ZO=!O(G./SI+V
M7/Z9VK1HDK(5J'E7U^#;:G_4W3>,S,OCY5(:.*R6MQM&P3#L"_#[2DKSWK G
MUNH?#J/_ %!+ P04    " #+@W-9GZ ;\+$"  #B#   #0   'AL+W-T>6QE
M<RYX;6S=5VUKVS 0_BM"/V!N8FKBD1BV0&&PC4+S85^56'8$>O%DN7/ZZZ>S
M;"=I=67=A['-H<G=/;J[1W<GF:Y;=Y+\X<BY([V2NMW0HW/-^R1I#T>N6/O.
M-%Q[I#)6,>=56R=M8SDK6W!2,EG>W&2)8D+38JT[=:=<2PZFTVY#;VA2K"NC
MSY:4!H-?RA0GCTQNZ)9)L;=B6,N4D*=@7H+A8*2QQ'DJ?$,78&F? KP(&K <
MXRBAC05C$C*$[_VX_!DP::U7A90SP24-AF+=,.>XU7=>&18/QA<0&>7=J?$,
M:\M.B^4M/3L,/S[)WMB2VSG-@DZF8BUY!72LJ(_PZTR3 .B<45XH!:N-9@.'
MR6,4?-@#E_(!6OBMNHK=5R3TXE,);2"PU4GTA$8QA D*Q+^,%F)?A+W]K;"D
M$8_&?>S\;O2@?^^,X_>65Z(?]+Z:\V/1%WATUC3R]$&*6BL>]O[+"8LUF_S(
MT5CQY+/!I!R\@5M*'KEUXG!I^6%9L^.]FZ:IKW#.RW^0\Y^M<\TUMTQ>DO:C
M_S=7^2V,D_'T7!S1JP,Z6PE<A!OZ%>Y7>>9 ]IV03NA1.XJRY/K%.?7A'=O[
M"_PJOE]?\HIUTNUF<$//\A=>BD[E\ZI[J,NXZBQ_AOMHD<VWL,\E=,E[7FY'
MU=;[021>\%G'!QR>(W?#$T<PGX#%$<"P/!@#S"=X87G^I_VLT/T$#..VBB(K
MU&>%^@2O&+(=/EB>N$_NG_A.\SQ-LPRKZ'8;9;#%ZI9E\!>/AG$##RP/9'I;
MK?%NXQ/R^AQ@/7UM0K"=XI.([12O-2#QNH%'GL>[C>4!#ZP+V.Q _G@>F*FX
M3YI"5S%NV G&D3S'$)C%^(QF&5*=##[Q_F"G)$WS/(X %F>0IA@"IQ%', ;
M 4/2='@//GL?)=-[*CG_5U/\!%!+ P04    " #+@W-9EXJ[',     3 @
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MY68R#/; @L4?>M>9_+2'V#-B#Q]6C>1FEJE@A1REW^CUK7H\@RX/J!5Z0B?
M:ROPS-0V&(Z=C*9(;V+T/8SG4.*<_U,C5146L*:B]1!DZ)'!=09#K+&))@G6
M0VY6= ;N\N@#FW+()FKJIBF>HPYX4P[V1D\E5!B@?%.9J+SV4VPYZ8Y>9WK_
M,'G4'EKG5LJ]AU>RY1AQ_)[E#U!+ P04    " #+@W-9)!Z;HJT   #X 0
M&@   'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QSM9$]#H,P#(6O$N4 -5"I
M0P5,75@K+A %\R,2$L6N"K<OA0&0.G1ALIXM?^_)3I]H%'=NH+;S)$9K!LID
MR^SO *1;M(HNSN,P3VH7K.)9A@:\TKUJ$)(HND'8,V2>[IFBG#S^0W1UW6E\
M./VR./ /,+Q=Z*E%9"E*%1KD3,)HMC;!4N++3):BJ#(9BBJ6<%H@XLD@;6E6
M?;!/3K3G>1<W]T6NS>,)KM\,<'AT_@%02P,$%     @ RX-S6660>9(9 0
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M<',O87!P+GAM;%!+ 0(4 Q0    ( ,N#<UG9 3G2[0   "L"   1
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M96QS+RYR96QS4$L! A0#%     @ RX-S6:K$(A8S 0  (@(   \
M     ( !1Q   'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    ( ,N#<UDD'INB
MK0   /@!   :              "  :<1  !X;"]?<F5L<R]W;W)K8F]O:RYX
M;6PN<F5L<U!+ 0(4 Q0    ( ,N#<UEED'F2&0$  ,\#   3
M  "  8P2  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     )  D /@(  -83
$      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.24.3</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="ldi-20241114.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>0000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.loandepot.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" isOnlyDei="true" original="ldi-20241114.htm">ldi-20241114.htm</File>
    <File>ldi-20241114.xsd</File>
    <File>ldi-20241114_lab.xml</File>
    <File>ldi-20241114_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="22">http://xbrl.sec.gov/dei/2023</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>15
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "ldi-20241114.htm": {
   "nsprefix": "ldi",
   "nsuri": "http://www.loandepot.com/20241114",
   "dts": {
    "inline": {
     "local": [
      "ldi-20241114.htm"
     ]
    },
    "schema": {
     "local": [
      "ldi-20241114.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd"
     ]
    },
    "labelLink": {
     "local": [
      "ldi-20241114_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "ldi-20241114_pre.xml"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 0,
   "axisCustom": 0,
   "memberStandard": 0,
   "memberCustom": 0,
   "hidden": {
    "total": 2,
    "http://xbrl.sec.gov/dei/2023": 2
   },
   "contextCount": 1,
   "entityCount": 1,
   "segmentCount": 0,
   "elementCount": 23,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2023": 22
   },
   "report": {
    "R1": {
     "role": "http://www.loandepot.com/role/Cover",
     "longName": "0000001 - Document - Cover",
     "shortName": "Cover",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "ldi-20241114.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "ldi-20241114.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amendment Flag",
        "label": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "City Area Code",
        "label": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Period End Date",
        "label": "Document Period End Date",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Type",
        "label": "Document Type",
        "documentation": "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'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, Address Line One",
        "label": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, City or Town",
        "label": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, Postal Zip Code",
        "label": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, State or Province",
        "label": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Central Index Key",
        "label": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Emerging Growth Company",
        "label": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity File Number",
        "label": "Entity File Number",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Incorporation, State or Country Code",
        "label": "Entity Incorporation, State or Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Registrant Name",
        "label": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Tax Identification Number",
        "label": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Local Phone Number",
        "label": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pre-commencement Issuer Tender Offer",
        "label": "Pre-commencement Issuer Tender Offer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pre-commencement Tender Offer",
        "label": "Pre-commencement Tender Offer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Title of 12(b) Security",
        "label": "Title of 12(b) Security",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Security Exchange Name",
        "label": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Soliciting Material",
        "label": "Soliciting Material",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Symbol",
        "label": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://www.loandepot.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Written Communications",
        "label": "Written Communications",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Section": "14a",
   "Number": "240",
   "Subsection": "12"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>16
<FILENAME>0001831631-24-000291-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001831631-24-000291-xbrl.zip
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M"_)I7D)W)+V!UQ/=?M\=>EU?> /A3P;#J?2[_>&PVXXE[#>#?-XGL2.R#%;
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MF?&Z,#_>-/%DXK2E202C>9_DZ$YDN>!21=*Q!0A:"+.FU1<]+2.[6-,(=KI
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M-C%6XQ>J:?G:\8LP)QFZZ>J\ G<F<W:7"L\R]>Q#PJH=^]HE957F5E'6!A!
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MUF)7DL":-K+*&1D4N#LXQ=*GCC.Y]1SV)J9XS&F#:'*.?/-_661-\JTWG/1
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M!*$7MB(Q\WSUQFX[+T]YL-=>:P@(;4G2<Y"9+"<&9U6Q^":4D=\&X7G4J3+
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MT2 >C_O3*!G&8S49JOX\G"U4$L\6R2R<#8Y;B9YTK!*]F_#\5J!/W2DOF\X
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MQ"]%>HVY.XQ8D@KB]'%\05_9U=+]9+J8)Y$:S<;C45\M1L,(;!SX_*-P!K'
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MCQR7>VU^>%09V84,X4&R+;*TO-'MQ0C%LZ%!RL[4.<DX6M%\B0 %E%^UI!,
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MJ+[/)7 RJ$D>_BK9*?H0@UCNQ2TU*$R\L4-TF.Y*FL:>639LK]+3JY2"O"Y
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M5T*B 7=<(RI=)D&3SDRYJD(J#[P(0B4)$-R0%3*'/GU><96"T3V4^X0K\!@
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MOJ&!>VB#4VS\8O7Z?!EIUS(@+=LR0<D'>EW\F:L\UI:VEY_I+7,MTT![(M0
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MF185.IFM 90<;OFWY4ZJ;<)('<!/8@(581#EKZ[L;34B:;[(<;]C139R:,G
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MM]98TUUMU; _E4UI!]O:%KJU\D!+C&JX69GHK,0:5$[6=!Z1K='4J$Y2KCP
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M_&J--J:IL'_<URW8UZ.A7L UE* _^"G.XRK<S7C>(2Q%&QEBYI/.) 1%RV^
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M=U4<[(_]T)<S,=AS]#%M6?3Q*7F@%KAS->5I+ ]$'E5S^^3KNR15W\OJX9S
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MB8A(EA.+FN[KEV(NOQCK."L$KT10A?(7R8>$BX@DIU3"8!>WG&:82R:_>0G
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M?>6U^'WL4(3+)*5O16!@/*39$ Q[L08D0\24(E4B1^L$O'5I[B0!#*+K<J_
M;V<Y661(J2.UX9866YE8L]*X *$42VN*N23J:1R\Q([/+XQB:<R;2=J#10"5
M<\#FWL9841F Y8R6G$Y'.G8'8T3UP4(Z,C7'1H;FM*B&M*C!-MV*RSKUN5K!
MC719P:3)<<J%;1;B')$"L?*!X).-33&($H\!$CCHLDHCVE?R[MZ&87L'<1SC
M1=ZB=-S-#W<.K^W3?S]Y-7[OG-92/TXEEJXR <7@_C),,9]<^A9*QWS/?0O8
M46:6;&29%M;:FF.:R#50AQHFT[$T1#I.VW&LOU06/E;3[*AF,X=CY<OP:3R8
M3I4O=X/'P<,MC^U8741<]63^Q<&<PR'=4!:P01OJ8<DWXFS6O PD'!TT !7/
M7T%OGC&8BG#S,+MQH$TYUYQU<=&B^S3J3I7IH/?\.'P:_CGH*Y/'A_YS[VG:
M5$;7DPH]ST^?&"1U:8R%>81U^!8?.FUU])-1]UK]S98A$518?*32L9[1(YAR
M?"PV43)9!< B$RJ?)U1 1KTF&XH0+#]R@*7*S=UO86)SZUG899XB9'\J?0AU
M?$=YL+'KKYV7*J4!]&:,YX3+9>[)Z$^?()'A/[['"_PWA&9],;!T-!M:-T.I
MW#Z/^\/Q9T5C)K-2*&I.Q5QB&:O<U-TVKMN=3KC$B/&RT80;%G_QE82L/$@3
M#/CQ^Q&CLA77U>;0<T@:GB_^;.;CN7)SK?RV(30SJX_ER3]:VO3\#NGG9$5"
MUEUGP4+W\[TBD9%ZP69!?ZFI=.?T:1R<GQ;Y/I$ZW\]^O 3/VDL<,DFPJ#3<
MXQ#&%XL WY4&BV0^W&[XD"M/QJ"JU"?+8'U5HQFR:KS;Z*$[[@\F#T_7O8=[
M%MA5'OCSPM'%W)_%W/?Q5]]5[O"V "&NHKD"_E\BWJSK(R8\3^\%)HYO(Q;6
M!SZU_\Z%^)>?5:/U,?_GQ5?5RU<=4#=L5U<WW'%W:L=\T)DJ[\7><=J[&_2?
M1P-%_= M%>ST>MK'74X/S^V5C_<LBQ>OHI F_:*?DD.*GNT'M286]Y0M ^-4
MJE]PL*RQ6UYVK6VK+5)X[35U+^XY6XD7V!ZP5VK2'MO/#AQQ?:=)>DMKR2?Y
MM1_'+*JMP^RBIC1V1"M7C;+(Y/T8SQJ%0)78NUV)XO_A-N2!@4+>)[P3.3\@
M2+"JSP]J%PNT#X&!.'LJ<TS?_^.H]GZ[$JEV_HAKI=K[%6+>IO*:5KW*UT&/
M]CRAP1]WPYOAD[)O/>"UQ9QH"NAB%2Y6X;NL@O[>K$*RY%"54;AY(V#4)3*H
M6] _^,;)Z_(G6BL34*[JO]J!NZ5_O:SGLT__ 5!+ P04    " #+@W-9)FY1
M88M6 0 &9 L '@   &$Q,#)W:&-O;&]A;F1E<&]T+6UR87)E9&%C+FAT;>R]
M:W/;2)(N_/W]%7B[S\Z1)B@-P3O;,QVAEF6W-F1;*]D]9_?+B0)0$-$& 38N
MDC6__N2EJ@"0!"U[; IJU4;LM$6"0*$J,RLSZ\DG_[XHEO'/?U]($?S\__W]
M_S\Z<EZF?KF42>'XF12%#)PRCY(;YY^!S#\Z1T?JJM-T=9]%-XO"&?0'(^>?
M:?8QNA7\?1$5L?Q9W^?O?^.___XW>LC?O32X__GO073K1,$_?HC"L9C,P]EH
M&GKN*)Q//%^XWD#.)O/13$Z'T__K_@ _A<OY-WEQ'\M__+",DJ.%Q.?_Y+KC
MX\&J>'$7!<7B)[??_X\?Z-*?_QZF\!;J!WX:I]E//_;I_U[@-T>A6$;Q_4__
M^WVTE+GS5MXY5^E2)/^[EXLD/\IE%H5\81[]2_XT@T?07W?\V!'<)HX2:88Q
MP >?RJP04>+X:1)& ;Q])&(G2L(T6XHB2ND+O "F%:XJ%E'N!&J>>LY29!_A
M"^_>^<N/L\&@_^(O/\[=%W_]ZU_AO\,7])G[HN<L1.YX4B9.NHP*7"!/^J+,
MI1,5#MS/2XN%<Q =.DE:P"T+> \8@T@"^! ^O4O+&'\"(UFN)"Q-="OC>[AI
MM@Q+&&OHK$HOCGSX+(AR/TYS&1S__6_XZK5UX,F%Q<Q^_L+O"N'%4J^*EV:!
MS(Y@<6*QRN5/^A\OX-&K6-S_%"4TQ_2C%S _-[#N\()%NOQI# MR"],=^2(^
M$G%TD_Q4R$^%^KH2A^,^BT0!PRD"_63U]3%]];<BV/QN-#N>#=J_[A^[K=]]
MYK;SV<-N^S<:,@\;9B9?B>0?/PQ_T#]8B2  S?QIL/KDN# 9]/8\$;$,-R<G
M7?W0T"'U^R.\^*?!\70*]]"?D6KK#VLW_KW,BRB\_^$;*Y<[6-.NZ5;M^N>O
MI^^<5R>GYQ?G[_^[*5MZ,CLR3_3Y(\W2V?\Y._WP_OS=VRTS]$"1ZN-$?6MI
MV6(1]K5JLZ>P:K^>_W+^WG'[QX.VA?L;V<$MV^$7S?G&7MHPJX,1#%=]!)/*
M?]?N[\-6);/O/DG;M]<W)]?OSZZ<J[/+#U>GOYY<GSDGKZ_.SMZ<O7V_L=4\
MP=<[>7]Q<NU<@_I>G;\__Y^SE\[EU;N7'T[?7_><B^/+XYX#6[\(P/F)\B(3
MN'4[X@9]+%CE ^4TZ(G8_POP/ ;23S-R=GXJ$]C=\2IXM>:H3VC4CS;2'WY6
MWM0A.48XJXY7WLO,.1!.I^?Q%QQE%R:N]R4*UQD%>_W*(2?"/3H9.A>7/;OT
M7[/TI#009L"DT:!R)\S2I5/ PYPBY?]VVQSQL#LQF4]1CV#]G^*P+]Z=O'UY
M=OGN_?'INS>PI5Z<D@'(91RC_G=:8J]ID%V0V#^#I_62,EMOTUNY]&#IW5&/
M\EA/Z]6V!Q);\RYZ$.K**=YJE>8125DF8_+*-E)H59J&7KM?_41X>1J7Q>9/
M'DFQSUZ?7/0'?_EQ-'TQ&O<G\\'0O1UOBWNJ&7E8]G%DLH^+K HM;^21ETGQ
M\4B$L- _B?A.W.<_M&4HI^WIR2^(SU#0:#H:D:T[VXAKZ:,-:>1/H@23DC\=
M#2>K[Q_H;E^K]R>_7)PY[UXYI^_>OH? [?IS2K?]Q?$--F+WCKSD+CM^"<+S
ME-.BL]GQO/_MTZ(/O^L^LZ*5D#VN3/'4"&>1R? ?/_P832>#^2B83L9"AJ/I
MV/,&L_E@Z@[&DWXPF03]'_8[M@UY3U(4=??X+S^Z$SS&6/_?D]4JAD7PHC@J
M[O_^-[&_M.#>LWU_EK5L626KC3]&[F0RGKM^, G'_FCFB]ET%HB^-W']R3CP
M@T$W5G#0JHTO91@EY-?ESUP7G\9*6EUL7\&9-^Y+*8<>KN 4MIB!%PQ%(#UW
MYD]'P;@;*SALU<7+++W)Q/(O/X[G+YQSU$K&#:2A\SZ#80C?ZNF36>6^5=1V
MMV<P\<>A[TY\.1U-A11R[DY#"-R'_FS0G\Z[L82C5D6]DJLR\Q<BE\]<%Y_&
M0@X'5A=;E]#W!GUO&O@#WQ^-9C-O%DAW/ CEH"_<P:0K2SC>L6E&OG1>1F$H
M,\;<'3]SI7P:*SH<6J5L7<+1=.Q. D].Y7 R$E/?&X63^5S.^O.^&\[EI!M+
M.&E5RC>4EG3>B"@I9"(27[)3>R5%'*>^<6LOU3;JD!8_<[U]&HL^'%F];5_"
MB9RXOO#'8N2-1.![8C::#*9@A:=#=S+KB.F=MNKM>>*G2]!&<8^H]-QY[AKY
M))9S.+8:V;J$XW#DAD/7'P\&P]%LZ(MP**:C<."Z8CP<BEDWEG#6JI'7TB^S
MJ+AWSO$@5^;%,U?)I[&>PZE5R=8E[$_Z?6\\'TU=UQWYD\E\&H*%'0QGLC\=
M!>ZP&TLX;X\X>7<D("3E94/$9CUKK7P:2SJ<6ZUL-ZQR.G(G'OQ?,!_-QC-O
M(%PY"H/A;!3,A]+OQA*Z_5:U/$V3@ \R(9J4O@RHRN!9J^736-.1/2K9<=HU
M"2?^8#3QYUXX&LS<V6CN]H.IF/KCJ9S,.^+ON.UPG\:AYFF:VZCR:2SIR.9Y
MVI<P]$?C@3>5P<0/1I-Q,)N-!A,YF8&_,YF(44<,J]L.^[F6V6WDPSP_<UU\
M&@LYLN%D^Q)*W_,&\R ,)B&8T_YPYHXF\.]@'HSE/!AV)$GGML-^KN0JDSG,
MJ&#O%>/*?XH,(LLBDL\=[?,T5G=D(\OV)1QZ[B#T1OX\',]&X]%D/I].A>?Y
M<Q?,K>>);BRAVP[W.4UO\1#3>JY/8R7']CQD%V)K/!M,I[(?"'\4#.9B.AJZ
MOCL2H3^7P_ZH&TOHMN-]SF[I9#(-G9<R%&7\W',\3V-!)Q:"MP.PU7<'_:EP
M9T/AC<#=\8:CH#^;S>?SF9Q <-*-)73;X3Y7<BD#\%6=#ZLTL7KYA!9U8K,\
M.TZU9#B9C<1T/!J.1T($GIRYT\EL,!/@ LTG'3&M;CN<!R++-"N>>PCY-)9Q
M8G,\.])T8M1W1S/I#V"]IG-_[DT#UQ]+=S@2@1QT)&7NML-XJHH16\KUU)9U
M:FLNVY?0\R#P (<&0H_!2$X&WL ?3J48S@)O@JF";BRAVX[FN88ICI&4,)-R
M:2$#3V,]K4KN.E\>N/YP%@9C,9F,A"OGP6 T$1,_"/H#?SIQN[&$@W8DS]L4
M%D'R0<@[8AH\39?+,HFX<.2Y[YI/8WVG-N.S(Y$>SF:COC<*0S$>!5((,82U
MDZ.Q-QB-!D%'$NF#=E3/65)$66W79'C/M835L<P^3V>%I[8(<U=FW9_,IMY(
M@!<T<D4@ C>8^5Y_/ CZ8C0-N[&$@W:0S]LT<42>PPI8G7PZ"VIU<L<23H+)
M*/0F_7DXFHZ"F>OYP=AS_5 ,I9BZHB,ULH-VL,^U+([2,'SFFO@TEG%J@00[
MEG 4>,&\/YK/\'QKY'J>%_;'_M1U)R(,W8Y0%P[:43V_P'QB<[.S,)2^<F!?
MI[ V"7YZ(>[XH_\LLR@/(LK7/G>M?1)+;K5VQQ+. SF?#.5D+#U_-/"%UQ]B
M:#+S!F-?3KL2E@S:X3]O4^>?(H*UR'O.6>$_=ZZ?I[&>5B5WD4R,_7Y_.AQ.
MQOY@!.LX'[E3;Q;.YU-_&@3CCOA"@W;T#S(3P P^<TU\&LLXG5A-;%W"0=^#
M9\W$P)L&H[D8B9D['L[],!C,/3'W.[*$@W:\STMNVEIFTKFBOA[@R!:IHQO3
MOI*!S$3L7&9I(2T X<FL^-1"@]J74(A1?S*=>%X?3\.&OI 3X0W[/MC=8!A,
M.[*$@W9HT&5Z)S/$LY\419HE\KEG:9_&@EJ=W&56)_X\F+MS<(B\T6P6S(-A
MWQM.)Z(?](4;3+NQA(-V4)#J;/A&W#LG?N&\7V1I>;-PMC<R?=;:^C26>CJS
MVKJCJF\6!'(^],8R&(5C*<+QS)M-YU.W/Y@,IQW!DPS;\4+G,)W+) H5/HCS
MMN\\6!*+%WHRZVM5=!<J<SJ=C@:SR<P-Q6@FIJ(_&XFPWQ>!YTJW*T#I83M>
MZ#0MD;]R)6PYRM-8RZEE--B!P(2X9#H=3*939%(;C>?345]B(QIOW)\'HB.D
M%,-V9-!IFH11P.T2D%SVF:ODTUA/JY*[#L)\?^3)D9B"@S.2?M_SA^[0=0=C
MSW?EU.U(UF"XBP4(KB5 0AI:O/O36]J9+4G9$8($02AEOS\?BW#D3>9B%$Q'
M@1A+%]8QD!TIP1VV@X4<9]=6&D?^LW=KG\826RW=>83M03#2#P<3=S#R)ZXW
M]R>AZ_>'?G\N [\K+-[MX* 3_V.2WL4RN"&"=CQ3(?B[H6NO)W"Y U&M,-L4
MLSQW=_AIR,%L9X'9WPKAQ5)_7IMN=>,I/GF5YL08_E-&I^6W\H5J5L\S4ON5
MEQ9%NORI7_U$>'D:ET7[3VKKZDM,?GSKA9U];NX&.*0C)W*.'*<Y3_0_>Y8R
M&LW%V>N3B_[@+S^.IB]&X_YD/ABZM^.U1:S][R*KU.Q&'GF9%!^/1 BS^9.(
M[\1]WIQST.ZC^@*OKPV_],]_][)UP:FFA02G6O<LD-D13$\L5KG\2?_C11#E
MJUC<_Q0E])+THQ=+:GMVI(1EO-I4?I0)_KH:VW&?QZ=V'_5D]?4Q?:7-3^.[
MV>QXWF__NG_LMGZW\[8/OJO=,\%6AL.1<-UP. XG1/#D!1-_,AI-W2"0P:0C
MF.A6[$&9Y:6 "2Q2YYHA0<Y@X @OO97.P=LT.6K4CQWBCEDLHKS:*WM;#T6=
MI;AW<AG'/:=0'5)H__73Y%;>.RG\Q7T I>,K<))N!1C@GBT+KOXN%M(AVPP?
MUW?JZ@K];9U5!=]&WU:$(0P=+B'*P*UCA=N0/8)1P60Y!^XA#G"99M(YO72P
MK409P=,.<#!_^7$V&("C$7"K"1$[?%1,G[LO#IV[J%C0L%=9!'>YRZ*BD F^
M>*Y<DFN8%IGQ(=4J2V\CD!/XA0 I+OV%N3)?P!0Y25HX'L[!'V64X74IW1P6
M&:_9^CKP5'5\C0N05RN0XU>\ C1%!]$A_D<DSHF>)+QY)F&0<.5!!-\'988I
M";B&>!=KM(O'VY]NAAV%]S14?EU\T^6JB.\=,MZ.%/"JN8AE-;R>&AMVBZQ)
M",QR;VV>\+:AB&+$N<$+W.#3:>X2(@ZH39V@V@[ZP2U8F0!SG? *=/%#GWZL
M7P&GQH,7,$ZFHB@0J NY7IK?4S10F7G,AJ@8P1;&-ZT^@[E9\E_TRCF),PB[
M$Z89"!8(-%ZUYL:N56$W)TLD]TX]W>N<)W"O)?^RNI3E8&VL:B8]65V8E][O
M-*7P YBRY5)F/MP5%A:VYAQ^BILG&)VCH,(B"CV^8\=YOS;\-<$1ZBMX-BN1
MF80MEJ<VEFKNZ+KV*<*)I L\F<@P*O3UM;7!&0-C0RLL07\$?+Q:08R/[P:O
M\$K=0=RF4<#R$CI!6GHP)'R'E>J>V%/RF/=HHJI\7B4UO/BKFA5NOF.U (&,
ML>J!EJI'-R"?$OZ.$OB9=]_;>&TSM9]]96W^\-.=;UYF:"#0-/;63)%1S*TC
MD)]03'+0DDQ31;:_=(]68,LZ;K/8>"G+ZET$,[40MY)W#=P2\=Y>%#A8!UW]
MQ&PCM<=L;BZK+5NC.]%;XU;&RT,EW[5YQM7+FOSN/1X;_E??A+=&33*]INY;
MY"%*E.G;LJK;]X0$+H.?AG@5V5Z>,WSPK@4_07'>H8-J/*#EMY&:^&JW 8-:
MR.6*]V<TGO Z!U'BQV7 >TJE9HWM^Y"&]1E3UP.9\N6J6!-#,KFU$0N8IV4:
M1&$$8_#N=]X2WO><'RKU7H<FCM-[,'_%G92[!Z7,>%.8'VZ:>#)QVK(TAM&\
M30MT)_)"<*4BZ=@2!"V"6=/JBYZ6D5TL:00[72+(V_A3;T"6;B!Z<BY2@;M)
M934;3E/#GI2TAVWH)0RO\9MJQ""2))%DJE"N8>YRIM:J_8(M'_RD5>V,P<MU
MX\N0=V/]DQJNAX2*1KJQ%Y#WI79[;8^_:DL]?O;)H"<1X.Q.!CWS&#48>V+@
M36;#$2SAV/?G_FS6[\_=R=CW@EE_W(TE'+97F%W"8\"(^\Y+,#(O(52!3<U'
MZW$;R;MGKI]/8W&M?NXB* [[OC^8"3F0[FC@!7._[P53Z0U'D\D43&TWEG#8
M7G=V4A8+V&[_9>$*3V8U9Y9E: ?B1(S'?G\H9.".1F(X]_J#P43,W*$['4M_
MU!&BJ&%[3=G#SCF?N:(^C56VBKJ+D68VFO?G<AZ,^^%HY@YF U>(L9QA^QOI
MS3L"#1NV%YI5B 5I( L03!]=0B0NBC2[=RXD!_^7:1SYMA_@TUCQF6VKL@-M
M[8UG0SD')TF*T7 2>,/ <Z>C8!#"B@KA=6,)1^WU9B]3O^2,TINR*.GPXV6&
MYUK!,U?.I[&R5CEW+*$[Z@OA]N>3_B@<B4D(B^D)UYL-Y^.!)V5'^/]'[95F
MKV5")"?G5&^623H%N<RBQ,>L^7/?/I_&\EH-W=58;MP//#$?#&9#B%OZ<C9W
M W\ZGDO1#\'B=L3(CMJ+SWX1R<>L7!7^O8,(HTM044NN^426=6:9_':TLQH-
MQ<1U@\&P[XWD># 3WF ^G,OQW!<B&'6DT'[47H-V$2TCAMKY:9GE\IFKY--8
M3ZN2.]M9B<E@+MQ),)QCQW+AN_Y<B-%X/IGY,]F1+JRC'85GEVD:.]>EA\".
MW!ZO/)$5G>WDV;3%*55QBJU.L=4IMCKE.QE+.1N, V\JIZ/1;#3VW7E?R*GL
M]R'B'_='7D?8V5HQX8AM#+-TZ10P!H+VX7\5%)J!N83,%QN[I,,]!)V[1;1>
M%\! ^/!>_RH-V[&27):A(8D%Z#>ZQ[E<"1BGC/7HJ$IE*2+J'-%ZLP,>S .N
M-+#*'$)C,...@#? /H@XX,-=*'J<,<*[WA.^EN"P;7.S.;/P7WC%X/<R9RRW
MGR[UEJ+AEWBS7,]A1$4&A.PE7'P<IW?X8FJ%[AE"V_)\1L:"AOEEK/"<5#R3
MR7RED)R7&8[S912&\ RN7CA80Y#2$!-\]<:=RIR0K# 2A-[R='-Y37758;6R
M^M/FXJ8,#?5$'AGP;NN:X4"R""&O#+#&M^XI^>/GP(N5<8&C$N8IVUX1 :_F
M%I^K-VA=W:H(YD <:IG $B=<L+L(X>]5<0PCT@F=F];PM>J=D;4+8>H:%(RC
M3F\RL:R@!+F&8PO\%^+=<YC !@)<@]DUF'XTXG(5?.B!=]@L>"+9STJ$$<.P
M5&-!?'7U=F(-7N[=5R#]^29._;FWB7@:^\!NI_F9;^7!P,-^==CF0\(JNL(=
M3@=3.1[XWJSOS3O2Z6.TJW,+V&'YW'-*3V,9OS)\51$&+ ,]_8?6@.:9A[PV
MYOVBF/<QIN7Z]->SEQ\NSJY;!7=-V%]T<A?A=_$7,BACZ;A4O^ZZ+Q .6J])
M)"?LGR(#'XL\/7+$KVJ.>(O7^V>:G(&9' UG9](!,T^W\D_UOD/SOG@*6U$
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M3:1$[5@< 1#P.4(O*#IF!JVBSI,5)0H)H $K%66DID?%G?FSU&V*\ZN5,_5
MY(IIC6DV QG"RP3D)B#H(+N-?'0+,AE+^AUC&\0-W$UA/LR X'$A:':. <*V
MD?78LB/-%W*2B42F95[1&K;];.L+K4V$FB5&KZR_XV=>I8!O@SJQ+-&ZPDR
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MDY[YVIVLC[</Y/A:3]LN^'C;C^^VYRJZ-9V:N60X?LQY=+CU\W?#35H%VJI
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M@[2#AF+7(,30/)#E291+\#MQ4]TJ;BJXOE%5!Q==O*QLRFL8\(IJ9F&\N:.
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M^/PL=>4FJ4J/R036> ;:F=(V#C6K9PA-4=4$"X"_5DMQ&[) 48*=I&&7==K
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MX%>K=KW+-)"Q2EV@L4,"1@@9LB/N2(07+["]CT'Z-KL-YHY'Z0ONX(9<&"C
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MK+S79O<]&D!]4"*3U2&9CKWP^)YHE^EP'ZQK2=3,]()T!*=60XTN0:,N8C+
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MXUBT_#I=Z3PN_[CQ90.+Y^1W8M4#AVZ%7_E\3U$AB!#YRSA$AXC2;G@GYK9
ME"G%S&NUW.)&8/L_)XQ+;/3!PX#MO@D =)1+*3_!+,,]<5Z2=!DENJ,W7EE%
M4C#M,J*]K"*%,4$4KB+L.CZ])(Q()GZ$\5RCW3<AJC ,L[;@^]N"_T1P9YW(
M0 -=J"U-&G?0)CS<-WWXR^UT5ZVCBNDYZZD^2P-Q\9) <$A^W!T+4!N4\SI+
MRY5S<7$*D@;;=RSN$(D8PT:(DF00\-]G\.[#=.<Q9XY8K),=93[/$ DXMDA
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M#FS.KJX=>85,945V;ZM ]R!CS!CFG(JX$_V]-F"*G)GG@OENSJ""*3)-Q.1
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M55V;XGD&]9.OO77+&!4(\=^=DR9Q&G<K9*[%"N&YE4\? 8]%[MRD:8"=S,%
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M<TK38Q (%.)J9B<S*A9YNM)Z3X\BPPTK9(6Y59@WK?5GI;KQ$RO>CR[>WP>
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MO9'1+>+F!RZ<(:4S"YBM<#;$TN-$G-/_"<\F^I1Q4>I(HB\ :R>YR!Q,7E8
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M<H7:I2TC-R "A[\",TLYNK<Y54+L_<R@PYS9Q3/-=GR$*4X2M:.WI-U-( J
M-C>YNNV D0:,;GCI_=E4X;LO73QO>C:JYZ?2/8+>/,ZC+1WL2Z5"FG67ADFS
M F'GLL23'M$9*.?X@+=@&BA%%J>P0A45]+_J;39N40 32(&E!MZO<[5@_0B'
M4U2DX9F:^W%UE!;@_F@HI-HV.UMS*)M#+<W4*F^V7.D-@64H+%R)6+K;V=D<
ML)_ADA H0([B>%J[/I[%\E'$\I/W"I8D#7&%>^3(Q>ZP#.:65+L6FO6V ,<.
MA$:"10='Q<^OOLT[^*=%);J<P'_ERQC[:VW .O\HO;WEQ1,O5AL-0E&P42O
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MFS(!O0Z(TZR9MWI/QDY?<B^7S\7:BOMC;36:6MZ':O#_#8A(O)]PP-!5)><
M:56RGS&"V.1%#AP.!_!A85/\].LO5]Z_!"#BE%.+^%+;J%8)(-V.S:9FC_6
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MH(O.9P!%^L"3F3(SPX(6K5!7B'35AK[6=08FC,3C.Z#3Y2<9;1D)HET^P]7
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MS!<R">,@&<5B$?C)-!G. SD,PJ!C.H*_^K<F?]:4!D:,7V,',>7)P#:$Y,7
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M*,P!F/0[4WYMG\6%XTMW-!R;P_@Z(4>- K0KPL8_U/_FZF3%4**Z,XU<+*O
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M+O[K/!ZC15!Y'*/!KO001/+7O*1Z&+&)N]7UB[W[]27NP+=U;$)U3M>5.;6
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M@_IQIN+T_?Y0TM8D@M*6F8RG41Q,)_%\'HRF<CJ?R^%T*H*H8]+64<](6PD
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M<G)$FD:D"T1U/B)OH@#D4);<HC5+[@D&^#/\4V/KW^4(7(WWWDSST38&Y.X
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ML37[;[P3#O IS>D$NDA2Z+94+Q)X0]K0>7&N#L3(C@8:X(!<#@O^6+8"8>5
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M<5J#;3;1/%ZH\/T&B0$2U- &:-<@'$/$/"YJ@Q)&/I64*@'<0_^4,H\(,?I
M8"([>X ^,_+M-'F][GCJG;R-OLKPU0VV8KQ+10BEA? 5'\]XY7<IUC!?71)=
M6.%0]&XY(W,*GZRYP\P[.<?P%6P>WJ;I M "4K"/5J')?0.59\0#&";4ES)V
M<7-/,.P-@B?FC19NU/0R"_P)\B%2:TP=Y.;UNHY X7H[WRN1I=01NM4Y%-SA
MQR=0IU(IIH,I3(*<W!0'SE;O<?!XLMQ7 XI\"/^X9="1HP)?6]-NZ*=IF'C,
M$6V=[M+S'TI*XS_M\<Z?HG=_C?"$=@A_-V?EJF2(':=''AO,RJ"LCA'M=F7
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M(U-B"H,.!N]@B#?:1J'8$+Z(1984D(OWNAT0?&TD&O16]YM,>8&+0BD7X=J
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M@@(%PQ[*-X)#%\[@/_,XP.^J+13)><>A_;0SJQ-PA?A;TX<Z76MGV%#*;X
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ML;VLDZEM(HW;#J>/Z,26Z$#W<S85*I",HMQB-PQ5.9\'2;'59Z<>%PI31DL
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M< V=DA=E2";@$.C@X80SC)-O/&BK&);5RQR3L:;33WV"8+,A'T[V@L7/P7[
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MU^OVQK.7L*),3*1V !&5U.U.+,GT_W'SZ^M;[W>1ROLDST!8#4N"8+8N7[T
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M3($6O4,*A9 TVG(XFO,J3( D'07'@*,L]4+U_S_4!1R.@FYW,AB,1T%_J/S
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MLQ%W&'V^H#%?VCR2P6JR)IUMYH?_9")MT\K#1F,[_LB]-.YN<^WR'.O5S38
MJD&-4;2ZF7E\C7GH% $2>*KQJC9S@V?ABE*ZT D%W'O8G ))YHBU/YN^I1_8
MV>^\3<G]5V%9%.9B<>1^M[FY:?>8F_M!U!7;40:S(!CZ<B@F\Y$<RJ#K!X/>
MH-?KC_R@)R>]/3/4#08M0QG<0#00,@'[1;)<YC%WE3\5;#=N-=9N9V]VP11C
M]Y*E&CO13&3D)>E3_Y0:&]=JG&@:^;]+\051>]A\R5 \5.U<BQ4U7>%$,_+5
MG6G#, [>A>D[XJ)(8H_+;72E;M9-G3!/?6Z=A-,F/L1N5&IC,HYI^0&XDH8%
M2N5AI'[$#!,=FP[EUB+X?#.L3GAA#KVQRCF&HS^@Q"8\29#"P:,'($I#: (^
M8FZ19;:49Y6ACHQV&PV0G,:AO2G3Z[@SV;A.5M](;Q&&<RF[W=E(S(?^>":&
MX608BI'L*<,4RN&>;=*P93;)\RCXJ/X_Y'F4"_(\(/#NMU=X66$HQ]/YJ#^;
MSOK#P!^+?CCH=[OSZ;#?&TX&>Y9R:)J9*PJWI28QHOU)LV7,"X)+&_*3Q0)(
M0WG<T"I:.;%UFBPL(YR. @R, 5/^$4 [1M-_>"U%R&");*\BFN574UML,O&"
M"M^B!8N:5K[8Q/E3__G"&BA=GR'@-?=H6"19\0I;X*1_PX"@=PP(]A(0#$>^
MZ$Z[\_ZXI^SYN.?/@O&\%W0'07<FPV"PY\-WU++#]]R0">B:[KGAR$6+4+(O
MZ@,NFZ\V!7N%&GYSU7@TW.T?#.>#H>CUYH/1?#P,N].I'XZ#\7 XZ2G/(1QW
MV^D?7!]AJD];.\)/5+QTTLXY^I#$KPB8S$P3^YRJTSKFIMJL):2Z,Q5O.F3<
MG)Y]D$C+!$E["/Z\@.66Z@KNS&M#Z)<:<G@LY]-?"S 72/+S987%$&^I2>DB
M ;3!G?1.32?>Q344FL,<HO074-%EKF>QX+"_#?5=6W-MQ )I*J(*RDVW,-(G
M"TT"I@13!!_O*"#"DG0(XC.J4<":Q$4#C0*(^77* FLF:\8^ H!W4^-##7WL
M6?W="V45IXH A9$5\H1A70Q+)ID ?+@>7H?')I@1B_<,9EV*\T3<,-&" =MW
M<'>WN&"G3F#M#;_PH$Z\T$WZ//7N9]O8B QYKRFU_IE$,<>&5!8I+U.SU5UN
M?OT[KC,#R[ZE ZA 'IM"H+I%!3%O(WS$?I3606FL-@UE/N@TG0O,\@$C&/8<
M.HQ<L3+C#JA>E/I/MRP<P7]B?M>RNE;1%CMC>7*4:!I3?1G+>630><Z[@1FS
M+3%E]1D/VG?I_3TD4:@)EL,D]]<,SR)J+/5-;GWJE-.A9M4PXW^9Z+\<L1:H
MU;'4#&V=,0E(13$D!QF$5CNU.Q_95<;8^N1Y"@8"#HM.R129C5D[ DT<EQ%3
M'&1)FQ^ZX](P[3K#X*.T5K&27DIPP\P0K8+S%:OO:F]3/6Y?3M]3;WQT*)MY
M='BY(?B"CZZ].I5L YV]2%2-C'D1#"O&]0O_U0] #B7CI<M'0HW-B&(^'FMV
M?KW?X'*/.(QS<.-M1N%<E_@;['0->:#U2"HTIE$%/*[O77!Z3QG)M",CR&T#
M-:UQSH@!U;5,0H+"US25EYJV*IGH^CQTXP%$1WW1X#W]^"KDI6M;R*#)"/A)
MU:QI$P_QB;%O%L_@1"&_JK5T!R06[Q,!'H<]60NA1N',J>?)@>$5OF-'C!)-
M6BD$RUK H1'?+0KOUC1K-9IF<R@:6)MF/.6O?*RCAJSX"SIUCVE\/K._R>WZ
ML;0"X<@7?7\\'0SGX^$H"&;!=-KMSGKC4>"'T^YHS_F]<<OR>]?J0FHS!]X;
MM=C>F-;L&\24'0:_CH8/5VA1=X%0J]Z1%F/C[8D MYJ6]JQ2CJ<Q%-N60B-V
M-B<W"_@XT:0!KRKU506V4=^$RI7#CR&?^MCC1B7M/2/FP-G6V[4>_LU2ZKJ4
M9\&%M8T/ZEK'HHXMZO2/19W#$B@R;+NUG0A@1'*"*9M@GD%"'BH(8&/]#S'X
M3UN2__6_9KU__/=__[?Z[V"/>4E(#E."CU-.>8S34R>SY""O6*.):)E\Z5C=
MCM7]157@.-%7CBP N^,:WEV8W#620#NP?-?* A1>LTZM@(M[#?XW)_MB2 \M
M;)?G/3">D&B>FLE8PECQ'* EA+"P(%EI:ZU6>DK<_W/.26!SZMM(]Z2Y) ..
MCB5TLG48 H4J(#H_TG'HV3+"3=L,5J4AOV+1=S7>UA\0IX9> O40,J:OL-)#
M^N,%7G$WD7(!4.U0'74F@8A$X+0<<-($@ AT&]ZNLUMXYK2GUAW316L900CF
MB,PX=:>B6NZ/,J5#$<#-<)AJEG#&CI7?5=T960;]Z^^J$4,SD=.G4Z/ ^&R?
MI1"[5%XN A4U4!W_ )1?BXV58HWJTIV&(?,I,Z^]?YR:V^!>AOG"\@?N<EYL
MS%[F[-  E*9),(E\U/^E_:P5@$N>'.=Y-5*3%228=H;7B%&1K7/P(/K/DJ5.
M?3>Z1ROS"^0V=,*VG9VK")GB8L(YTN7A.OY-=VITO%B-(R U<#6K2<IY<?@U
M]/B(*$/FCKA0*-.1:PAPG95,S<2[O/*O:&V:I>HNBCRC_#=3**ZYEE",B!L0
MITZQ!=8I6@<H^<@&6Q2M,[G ZHJ,\>)"Q>IKXG)DLD!>N)8$REXT=3UVO('Y
MFWHP1W# %"2"!*8$G@F=[9V@V3(!E7OO&N60RAAVRAS;YJ._-!;JJS9]9@TG
MRO<_2RIG0J?V4.C84\&^E3DESPN^5D4W&/=>OGZ5S%^MDN"+7-=I[C@214\Q
M7N6WMK49RW[5X(>A=0YYBU^:(O%@KXGQ'\JQW)UW@Z _%;(O>\.^'\Z"KA].
MI#\8CL>3\7#?B.M)>[@="/2US]E@%_Q932<MST"=V\H9M>M!MS)XF8;0E=W'
M:(V>Y&HE!>!-VFHPM%.W9V@6U,I-P-9!RPN]() BWV#P!RQIX-CSN:'^56O_
M2_4.D\=>&\>3-/LPU"1&LDYM.K_(  "?1';/XVO<]AJKS5/JG.;Z/?J_Z'.#
M5W&<QBW3N"TR4ZZ0,C$9M,>OM5>O 53'R7W"Y)+'J:*LA0@D&XN(^IV/\[8G
MGVXF1J.@.Q R[ V'8C#SN_W^6$Q[@]YD)(/A?,\^W;1EA;[GX?1?MK_UZ8BU
M:D=(N6>LU1%EM4^4E?RA(*MZ$&8#P*HZE$/!5ST17G4LTMLB_>!8I#^L(OW/
MP0[^)>C@$3#X5P"#/S*,&$^'L^Y,SL)1=SZ<]OK3?D^(D9SVAF(N_=F^"8)F
M;0LC;$7:- 2KE??J6BU;4J-X+VE_7"?J%%).PF&$%+7N"5(KQAYE!8">+H5>
MH!4_N.Y+"E0DGNH2EDW%J+_<1WY$ZNQF"S)7Q[_4K;V+)%L7+<</W0E3?S0=
MR%D0]*48#L:A/PC]WF08]N=J8PCA[W<G#+LMVPEO#/G)K[HF_2:%HS@\C!5O
M,]D-;;P:TJ&+T$WRB)Y1U6O@"0&"D)6@<Z]2?H4[%,\[<VRP@XZ!M0^>K@$'
MA/0B& ]QEZPCK9=HU?TZAA,2R MC:+8D%: 2J0WWE*(>9IK#19G)548._Q:7
M".C&J6X,_:'[M3?L"M'KSL;=X7PHQG.U<WW1\Z>#V:BOIB/8\WYMFW#L.\);
MD=30"A0.'Y!6)P[ @7O^,;7_'?JV!!LONXI6!<2">PKG#Z&[$)+!<%7"9*C'
M*^"!$$^9(6?3@8B<MT="4(N<V[BD0)E=,*0FA;B4(D;J/9:ETYWNRYHO46:"
MB(71+5_DR&%NI?[@MQ GY N1&IHG5^54F?N0.[J!=+U*MN=>GXP\?04[K ]D
MR;1'@&,&Z\7!L-*R@7/*;EJ]B-PS<N?**9/AOSL_OSZD5QBTYQ7RKD_E7+V@
M6 M^PNY--(_(.>A*+F1F-"CX]YQ<K_X^][.&/UV+5+EG8G5O_^(H$.0^Y"DH
M*-=05#,PHBZP\L24P TE05< Z\?#[&B6<_B7'4K'LS=ONFGE[#JD11>V9]&A
MW2B_6ONNS,O7V,OR)_EC4>:5KH*.LW,AX<*W.;N#2MSF$KI]@[#)^E*$?,HZ
M-G,'VCR:[ +Z :"7&BG7=ZZJ0UI#LCUKR'%7'@$NK$T,F:^RX:$PJ.ZW.?D'
M5E6$WB!=$]A@@+Y>I"!=H8(]6B,UC!_07@]@.FXQ0'9F0C@CEC\ G\8F'8GQ
MY4 6Q;PUBZ+7.^OV7"=6OVCV"XVV3%K\@[J _A/W^2COI$Y U==\.5@'C$'$
M@45KMK[/OV%Q:W@L;GU_#=!V[?N[UNQ[<BC4OEWC':Q"YE-5EKT3SCPX"$5S
M$1/,G*+7R1*3>"=U57B</Y+T2\?\2V<Q;!"$&EWA01G]^_:]_&H,8]][]8UC
M?#,8_N,N24*@I5O?XX]H^C//_A9.]JK(GM=[U>_V=!WR\\6%1R484HW2KN;M
MFC5[]-*@)4!M4M668\Q90RT'D\B/(GJ@>VKU@'+"@YV,0D=R<Z;WN6G=8-0-
M?3'K]Z>#WG#8E=-9+PPFHYD4W7GH#_9=ANFW+*W[6L1?TGRU#C8>T*%>RW7D
MJE1^=_&&ONCV@V V"D:#V7 XFDV'W:#7]?W11$[&_=YDOWR_G^Z+HO7^IEB7
MD1NGJ@%5C&B=@ZXJE32P/0\8&1V;30TKL!WTQQ$)I;]@08Y:DE@XQ*BD^&7>
M$"#'DO1.Q-S> V(AJ8CO.%^MKI@LU.8,D 1V$?T[CT+3B<SJ(;62(@R5@)MI
MB4:0V4(K8.^.O^.H G5?YPZIZP8Z;C ,X5^$0I-O@D4!1%@&S+5K:OJW5(YJ
MNE<H][P&\H$LMZ M1Q_+F1$U0RL1H7V9YPO"E11T<]N)6=3V=]@&(+[R%2C?
MK..\#;*S8B<)4+,R5"]8B&C)Q!,&<[>*+ (:WQ)TW</Z4[^3]/H+:P'6P0I)
MDN -G9R?XJ6=I>HLPP<5)<1KD48@@1<MJ+:"2T6=CK@N,%'BK 8@CGVM+ZF_
MWG3Y^DL*D#;'T AW!5*.$*:0JIR:FQ9GA[_I;.'*D& L"WD')0+."F&BAI7!
M15P_N-VD7M]@<6M\]^];0IT/!V+<ZX7]0=<?RE%_*OS^;#"3HUD@1#CL[?FL
M;9LZV'MN30>5L#S-Y ]Z-7LX,UT-SR+4N Z%I_4AFZ(:"%>86(-*JNDJ05J!
MTFUPZ^%MD)H0._!A7JW'>2]"2TU"&#I=E!-+J/]X)+ #=L"<Q/7 P22M7*GP
M+;[L7 *4R7"768)K^\#V*= 8H97ES[@VA:'::90AT4J^Y@\1\4A2+E1V"A*Y
MV3H)OH"*+\!/P)+%\(^E7/KP7RV*UM'\+1V6XTQ2"C[TE-//+.1LR7W8J2F]
M@BOE]S"E,Y(1E_7MK=]!V<2ZFOOZOE[9S!(=EQ?!#@^J=OV9]:')(LS*:5QA
M,(L;$N>EE4E]ET [D\=AZ<,.U\Y<"Y9J9IR:.F&$="TECVC%V\+@:=0:OS3H
M&PJSLH9%34>.,YXPD73^K A@Z_3GJ&=>R>*9#OX!'9G0O8"5!2B5+@BBHZY@
MCC0UX0LILO53_4 ]7/;>] V?YAZ>D#XS/C<\K-;1A@UD,N'5'013S($M5V\=
M76:OU^V=C(PDLQ,-722A+.[;-]*'#7$C%Y&<>^_%(^%Z8W9+U'USV$T1'NTT
M882(4D]W>E1O<M.LHV.:]9O3K-\<>ON^&/=GHC<.5>@]&HY%T MF_W][5]:;
M.!*$_XHU*ZV(1+)NT[XTTD@$2(*&!!3(9K4OJ_;!QA)'A$DT_/OMZL,VV"9F
M!K#)DH=$XG#ZJ*[CZZJO"*%!N&&YEG^T5GPYWEKE^B8.YO,)W,I&5Z+[<M%!
M#M9VQK<TW7-,W\38PKJ+;)7XIJ^JR+%T%3L5 $5R&]&DZ0<$]T#,'@@AUL92
M0M0.=(/<D*PUTN"=(\8K^2VJF7.)HWD9OC3F2WH2P9B'D TK&JE+(TUC5&H8
M6%Y]WL-J?# %/AF5C$3XSTRXLG3 %]O:3L"*L>*T56PW\M8FLRLNG:('(B4<
MXZE4_A&%&GU8*-<P8%TY&*;,&DE$3>5%JW->\);S_^N"LV,"=\#+*+DER<H+
M316!]7C, &S&_%;;J(YA0YS!U->>]"8XW3P?KCOY<O-^-/&G+N*=E:^N;ZZ@
M9J/^<!#W><S;,QB(<*59= *SKDM'2= 3A(!F,Z8Y^5^RI@A&/WK$1PTZ<G<W
MAA%KY$+*A/2UV>U+HIL,+QSE?M6Z@YKTEV-BL(Q6DG$R:WQ7M%:N>2+X&2ZW
M[Y*\!ZDY%[GY[2'+]:$'C F#V&^R41U+8\=JKS2R2T4J4['AX?I)>YI#/.0Y
M+M9\:H 100U3,WU=<QU+=6Q2LE]4M9:6#W.@Y?T0O(JV8^T1YO;*5XXJ6G9#
MQT0S2</#R&I8OCH>6[IOJA@;EG.T%J-53WW73)%,MDN94;JM6-P?:HVD6W[P
M]74>,"I+>(C8>]!FK)\;8XF=Q2].A=%E-I 38O(R/K*"U[C!OKEK CPCRY2&
MJY"JQ91SP4QLARPF#-X!^ L,>9Q?+X<230CL6R@:W/-!2\H1CR/X)(R'RJ8L
M@).=JK32!52;O:D2[6H.=T8,Y/HFPC1^TQ%6#6P31\=VPW%]P_0,^VC%2U7/
M]==,.""QZPO(5O#*H%LI0%0"9-]$$8C(MMR</UUX=!F9#QMG(F[,!W3;'% %
M 8^"D$P!VY1[>4*8VUI/GX"8KE9R$N?YO%<9$,O>!)#HQ,&V-58),K%C601Y
MFJUAA%S-:%BXY)"U.I4*D9+N,FR:TT$OA1PM$S6B0W_QSJ'X(GHH(F62TK?P
M(5T\I-$0Y'JQ^T=&ARE%*D>.E@ENZ]S82=(71,5R'W!O;_9CD2ZECE'-R\5:
MF5@S9%PP4(JIU45:$K4T+GDE;L#+18E4YO5DSX/9'(!S(.9>Q411&^S*&Z?D
M<&?$-7QL>)JEFYJ%=6ML&?30T%/C$NPB'1\-<*MZ8057TGF 29V3E O=+,0Y
M:@C$X /12S96Q2!*W =(D*!+E$;<7LG*O3=&[#V/_9AQ9"URL]V"<&ON6I'K
M]X.#\85C6AM]'4HB764 !X/;RW"M[<GYVD*QC!.^MH %Y>&53@Q[3$WTV$%X
M;!N.2Y"C^99A8\LW&^8_2/U2VEU'.6O9?5">NZ.'SG"H/-]U'CO]&^[:,5A$
MU'DR\^(2WK]A_3I9< :]40/K__#=MR5'@82=@^L_91PLX&:>-2\5WN9N:F-'
ME7*L+.MLS*(YZC6'RK#3>GKLCKI_=]K*X+'??FJ-AG6E=S4HT?!\^<;HJ'-=
M+,(=K-V7>-=<J[WO#"HT^^L5HR$H$7NDTK&<T"T8<G(LED\R6,RA@TRHW ZH
M@/1:=982(3K\R/25,A>WV,3$XE83UV6&(F2_E39X.H&K]!WB!4OWI4QI@'/S
M0*8^E\O4R.B[(XAC^-OW9$;^!<^L+=*5]J9#2U*4MS?4XK3Z"KIL-I3>H'3%
MF*?_RERZ[9JLV1P.N%R(%++>@*N/8/;NAPP#I%$$O'TZPI(WXZIJ%KH/2?7R
M'$PF 9DJUU?*]S>?AE_5T2_IH:TKF#\AQAPL_)!=H3.7H'E[KTCRH];\;4:_
M5%>:4SH:EZ130GY-I/;[WN>+U.Q"6[X1S0K(X)Z$D(:81=NNU)A/<@FJF(GP
M9$YF;?]UOKRH4!Y8.2:JUV\^M#N#_NBJU;]GWEGI1HJ#/V=M?A1MWB;O@:?<
MD54&QUM)N0'\)^$T5G6("</2>H&DX9NHC6J?)]Z?N!#__ALRU*_IWV<S51DS
MM0/NUR@/]]M2^;0EO>=(P'FV81RV[CKMIUX'8K>"V$1CO]-ID:FS"$A!5#M[
M%IDMSL]'4_9_HGM[B2JB;#<0?]6P;?L=J7LY^D;9D/_9-)R:_.WSQLD^E/AE
M["M+"\A'[2M[41O9&^TC:Y.=L6 G7F!KP%ZIR.5J,3.TQ_D=!FG)O8HXR-<^
MCU9$ZFYJ45-J6_SDBUHOQS$^&=U9(0>\%'6W#:'X/U32[N@FI$W":8AY<1=!
MT\H/3BOG"31V81 Y>AR]3\O_>4YVL56)3G9ZBRMQLF7P60P _,DCKY=_Y*MP
MC@KN4.>ON^YU=Z04!:,^FLR!4LC.6N&L%7Y)*UBGIA62@$-92N'Z)[G&SIY!
MU7S^S@_>]C"]HY50 1^Z_'\X<V]%_[PLIY-O_P%02P,$%     @ RX-S67<=
M.T/3$0  T',  !    !L9&DM,C R-#$Q,30N:'1M[3UK<^(XMM_G5^C2>Z=)
M%3;8O$G"%D/(#-7=22ID;L_NEREA"]"TL3VRG(3]]?<<R083'H%,)R$[Z0]I
ML/4X+YV7CL3)/^^G'KEE(N*!?_K1,DL?"?.=P.7^^/1C9]#M]S_^L_W#R?\8
MQF\_77\F9X$33YDO25<P*IE+[KB<$#EAY&L@OO%;2JX\*D>!F!J&[M8-PIG@
MXXDD=LFNI,W2MZ+5;%9'M#YJ&$ZM,C(JCELRA@U6-:PZ=48URZHWK'IAW**4
M->IN&9HQ-C0J%;MN4&;9ACVR2PVK7',LAQ7<5J5*6:E>L1RK85=JK-1LPE]K
M1&O-1K,^K(W4O!,). />?M3B]]*(F'.:FT@9MHK%N[L[$[Z;X^"VR'V/^PS1
M+DI!_0BQHA+H5+1+5M4H-8RRE4O&N8>FWY9&N2N;@1@7K6:S651OTZ8NX_.&
M]T/AS>>#%S"R7<[-85L:4+7%(6'V<@:XI/GFR1'=Q9AR_:#;D+5+1LDV+'N.
M;,37S6:72E;QMR^?!\Z$3:G!_4A2WV'S7C 5WX11"3%:;K]"T>7F^'I((]V\
MY5&0UQSSC5\'N?;)A%&W?3)EDA+L;[ _8WY[FNL&O@39-6YF(71S]+?3G&3W
MLJB(5&S_\,,/)Y)+C[4]EQLHL99E54Z*^ME)48\\#-Q9^\3EMR22,X^=YEP>
MA1Z=M?S 9S _OV]A0R;T1^ZZS%<?X?T%K!_!'3W]O;QFH].<8X @^72*(S'>
MZL *<W&5G7MTG".:%:<YX%UKQ.^9:XRHAXAS]S0W,FPKUS[O?![T3HI+,^PQ
M8<\'_&9=F%%0K^^[[/X3F\W'MW/M$K"V4;9J96MEDN(RAH*-F  -PJ(U?$&>
MM2(E'@ &4<NB)8$;I[F(3T,/F:F>301"F66!>1^YP!\UW6*.9,HHB(7ZIF2L
ME6"JX$=,T^=,H9E^XRY^'W$FB *)K54"W?ZG9?0?=FZGCY9'#X$Z@9M^ \D6
M\@P49AOQ,2S+0*%Z^&X.IKNA:?HF_9Y.4ES".R72G"K%C#P606JUZ")U^&/Z
M\G>DWJ)/(NY3[AL3ADH=%&XHC^^X*R<MJU3ZWYQJUSZ)0@KR,!3(,?U9#[(R
M%&I? X 6U)&M*)Y.J9@=PY\Q3#$,I RFK5HH85A)AQY+>PT# =@83N!Y-(Q8
M*_UPG"Y$K<X,U>G!< @P&#S)'>H9U.-COX542UXO<#%+&A\)5)-N.G/RVH17
MQ=7GS8;9+*U_53(M];RHQA/IRX2,98VC"ZO40WJ=YL ,+".;@ \MB1O$2(P/
M .%Q2%TTUJT2L6",=(*BPGP=ZS0M9!"V*D (A;DF@@,"S$1.\RYM#N $HH43
MX5PC$#!0/E/NS5H?;_@4%OD%NR/7P93Z'PL1F U@I^ CW3#B_V$MJP&SJ*]W
M&M,ZC*-XDV!NV4CE7R_Z-[TS,KCIW/0&RR*3 ?Y0H!WTNK]>]V_ZO0'I7)R1
MWF_=7SH7/_=(]_++E_Y@T+^\>$44[)U0^$JC"8B-#/P".3.[)GAGU4KS@,"N
MK 7[]W7_-D*=$?;& 0G[^>7U%[*[=4Y];NVV:*,,:KEA?%HUQN_L>_ZE VO_
MNG=Q0ZY[5Y?7-P=$\_7@7L4BBBF$;#(@ ^:@3__C!ZM6.K;*)!#$JN;=HX-'
M(ABI(!/@CP67' ;NW3L3<"X9Z3B2P&NK6:X<,AJ6#6B@]X; 7K,P$)+D@?YN
M\HA1<.%8) F[Q?A:J!;,/6H]05-<*;^PI[W%Y0 "IS.F,,0$NQDNG1DSF-I@
M_MS?S[4O@ELV'8)C;%4**FQ_5S3?%0F[LI/0[QO 7;,QCS!ZEQ?P)N5G.=?V
M NJ?@4#) NG[CGE W"SM1(A\[Q[" X)8Z=63XDEH1 8A<S 2<PGW"9<1Z4X@
MH&+BD)3:]Q?2MQ(1E2VS5FELC8AV?UZKU_?J\>: JNX4.VX*%--0T [O,1A<
MU6,K7 ["EU_1I:>H-E!;@0"+J%*2 PE&K!O$OA2S;N N6SA,*&!.1;)0!+<X
MSL*T5< ",X_>4<$VZD#I/D;>>:3]M^/".?<8- ;/(*5H%9-CE@'ZK51^)^D3
M2'I#[_M)+M%1PKU,WQK$>56CW*PTFN7F5@(_73=X;+2J_Q4!7])F[A8ZY]7:
MQ[@E@'A D#\@'(A<KJ*:QRQG8NW6"M#K8 .^#,\JM@<NR[,NG#?%]6XPG?(H
M>I-,1J5)]*I^Y^\&_O;-:W-@DMXT]((9$V^/R<LZ? N[=\[.OTS&:[?X:U^C
MUG%=P:(H^>\SC&>E!JV>:]>J-8OTQ2T\)EV%%CD3_':S2W:H8>D3R=*%CY?B
M)KB;^Z4-$"!%CX<D*.R1_%F:0YG)2W$%+C!7>^H[>LC-7+L+E(76/J</H7DJ
M,%<!S.;]FX?:64\RV*5<NVG7K,;AL'U'995@A9F(*P'4Y2'U2.^>.;$$*2:7
M(U #+#HB><"8(,J;,Q$'NMX7"98?/S1LJWX<$<D\%DX"6+*^TFT%]%R\&*T/
M@7"*@C"X;)]<):Z"#G1<D@D+R-MH-(X>RH1.6.\^^.< C-X5@KOL3EMVKETN
MUXT:3'(X<O><Z:*E/?3GE:7U4'<GS/FFDO<T!'T3"HX._#"X)T/F!7>$Z\S^
M.>@GS>6&\4E_&'$/I8M'(&J2^2YS<0LCXM/8D]1G01QY,Q*!P8U&,S5&TB$8
M J^T'4ZV#<0B81C#.()0?Y:^&P4>@(']4!MR]#&CUD:J)@Z7@=Z5VNX[M#S<
MIJR3;5;WS%-MSE_5'REQV+E:HF+:=OF9,E[K_-\I=UV/[;X0OL+8.'[TY"6P
M9T[@J^ 21!W#G=A/G,EHU7@/@\ ;4I!;">MHKMO*.="3S7JE<OPJF9C- <<+
MJQU%\X22@$.6E"3,;(9>Q[!L*W8UT0D/]A=Q6S%OU4GW_)K8Y9()#8]6$RX;
M/?EW1?&N*)Y140P"CSL@J/[X"YA3L*G>KEJB\JXE%@1?D)%,$SJNJ(BD6*)"
MP7O4GQ?Z8JD((=$6NHU= <E4?=ZUQKO6.!"M<248NA98.JT*RM"I%A"O8H"T
MF_:HOFN/!>&!G(:3H:=>^8]X'*DZ<0T[/SS:5Z'H7N\JY5VE'*9*Z4=1S,03
M%$OM7;%\'\529D8E[^RK6))>NRB6UTDC92(SG<UA@KE+-%BN;44UF:9X .7-
M&9WWLJKWLJKO7%:E&?SBNQ-*BF[PH**N)W8FQ/%H%+V: IW3X? V<6X$14S>
MWD;S8#8=!EX^>NU2@@/F;5HFK%8 2^S>V^-TX).["0<4%O9N4SW!9MV5V"^T
M;H :B0*/NR0%_;^RK"YQ%&:6/52Z<.YAUG/M+JI#[2!T"+JM0..!#)QO!?(/
M-,,6N:*"_!_UXF>L#_W[L211MEIUS?G1R+4_G_7?Z?S]13_U]?4ID(?Q%VK$
MY:(/JPE*$X#]5R"^Z?4P#Q<>+SG=L9;IE7:?^[Z+ 1,CPQEQU$XT@/4-%"M3
MY:,/-H=Y1 !$"+D0\C$9B^!.3G +*<0-8QH1EXU@"G721.\>E:ID]6C:XD1:
MF>11W=2/U0Y2VABF >J&>$8%*UDSP9L]-)(<\VX'WG3;= X,Y!Z,D)G*W#T$
M>@U.]=937>.R;_V'+C]*A_Q9C=C5 ^Z8D+!+CR<D#I*._=$6&<:JG;4+@J\4
M2DQ W)D',36(NQ^H"#N.F&H%1$_*,?"F&*XJ+?15%$A;-9<WP\G5Y4"X='S
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M;7,[\60)^BWMHF7FJ93Q7V-@A@.=G\^)PM4R.F7R^:JPPMZ_S*,U5-$<6B+
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MKIO\8HQ.#D!3'(FH7Y9QD[MK=R]!/Y1H41'@ X%_W< ?S?-1V=@1-].'C$$
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M=]$N8\/[Z$;4G]-)NXSU]M+.Q;Y8?E77N;GML:B7W_?$1()H%,,D,!]D)M3
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M;V%N9&5P;W0M;7)A<BYH=&U02P$"% ,4    " #+@W-9)FY188M6 0 &9 L
M'@              @ '^6 $ 83$P,G=H8V]L;V%N9&5P;W0M;7)A<F5D86,N
M:'1M4$L! A0#%     @ RX-S67<=.T/3$0  T',  !               ( !
MQ:\" &QD:2TR,#(T,3$Q-"YH=&U02P$"% ,4    " #+@W-9-(9@1EX"  #Y
M!@  $               @ '&P0( ;&1I+3(P,C0Q,3$T+GAS9%!+ 0(4 Q0
M   ( ,N#<UE42,^W @H  'U4   4              "  5+$ @!L9&DM,C R
M-#$Q,31?;&%B+GAM;%!+ 0(4 Q0    ( ,N#<UD\@ZRCK08  -\P   4
M          "  8;. @!L9&DM,C R-#$Q,31?<')E+GAM;%!+!08     !@ &
+ )@!  !EU0(    !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>ldi-20241114_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xml:lang="en-US"
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="ldi-20241114.xsd" xlink:type="simple"/>
    <context id="c-1">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001831631</identifier>
        </entity>
        <period>
            <startDate>2024-11-14</startDate>
            <endDate>2024-11-14</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="c-1" id="f-21">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey contextRef="c-1" id="f-22">0001831631</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="c-1" id="f-1">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="c-1" id="f-2">2024-11-14</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="c-1" id="f-3">loanDepot, Inc.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="c-1" id="f-4">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="c-1" id="f-5">001-40003</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="c-1" id="f-6">85-3948939</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="c-1" id="f-7">6561 Irvine Center Drive</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="c-1" id="f-8">Irvine</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="c-1" id="f-9">CA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="c-1" id="f-10">92618</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="c-1" id="f-11">(888)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="c-1" id="f-12">337-6888</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="c-1" id="f-13">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="c-1" id="f-14">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="c-1" id="f-15">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="c-1" id="f-16">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="c-1" id="f-17">Class&#160;A Common Stock, $0.001 Par Value</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c-1" id="f-18">LDI</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c-1" id="f-19">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="c-1" id="f-20">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
