<SEC-DOCUMENT>0001019056-13-000776.txt : 20130613
<SEC-HEADER>0001019056-13-000776.hdr.sgml : 20130613
<ACCEPTANCE-DATETIME>20130613160304
ACCESSION NUMBER:		0001019056-13-000776
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20130613
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20130613
DATE AS OF CHANGE:		20130613

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OCWEN FINANCIAL CORP
		CENTRAL INDEX KEY:			0000873860
		STANDARD INDUSTRIAL CLASSIFICATION:	MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162]
		IRS NUMBER:				650039856
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13219
		FILM NUMBER:		13911527

	BUSINESS ADDRESS:	
		STREET 1:		2002 SUMMIT BOULEVARD
		STREET 2:		6TH FLOOR
		CITY:			ATLANTA
		STATE:			2Q
		ZIP:			30319
		BUSINESS PHONE:		561-682-8000

	MAIL ADDRESS:	
		STREET 1:		2002 SUMMIT BOULEVARD
		STREET 2:		6TH FLOOR
		CITY:			ATLANTA
		STATE:			2Q
		ZIP:			30319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OCWEN FINANCIAL Corp
		DATE OF NAME CHANGE:	20110224

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OCWEN FINANCIAL CORP
		DATE OF NAME CHANGE:	19960516
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>ocn_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>UNITED STATES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>SECURITIES
AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 12pt"><B>Washington,
D.C. 20549</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: center"><FONT STYLE="font-size: 18pt"><B>FORM 8-K</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Current Report</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Pursuant to
Section 13 or 15 (d) of </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>the Securities
Exchange Act of 1934</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>Date of Report (Date of earliest event reported):
June 13, 2013</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: center"><FONT STYLE="font-size: 24pt"><B>OCWEN
FINANCIAL CORPORATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Exact name of registrant as specified in
its charter)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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    <TD STYLE="vertical-align: top; width: 30%; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Florida</B></TD>
    <TD STYLE="vertical-align: bottom; width: 5%; font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></TD>
    <TD STYLE="vertical-align: top; width: 30%; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>1-13219</B></TD>
    <TD STYLE="vertical-align: bottom; width: 5%; font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></TD>
    <TD STYLE="vertical-align: top; width: 30%; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>65-0039856</B></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>(State or other jurisdiction
    of incorporation)</B></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>(Commission File Number)</B></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>(IRS Employer Identification
    <BR>
No.)</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: center"><B>2002 Summit Boulevard</B>, <B>Sixth Floor</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Atlanta, Georgia 30319</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Address of principal executive offices)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>Registrant&rsquo;s telephone number, including
area code: (561) 682-8000</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Not applicable.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Former name or former address, if changed
since last report)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
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    <TD STYLE="width: 5%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 5%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR>
</TABLE>

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<TD STYLE="width: 10%; text-align: left"><B>Item 1.01</B></TD><TD STYLE="width: 90%"><B>Entry into a Material Definitive Agreement</B></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: justify">On June 13, 2013, Ocwen Loan Servicing,
LLC (&ldquo;OLS&rdquo;), a Delaware limited liability company and an indirect, wholly owned subsidiary of Ocwen Financial Corporation
(&ldquo;Ocwen&rdquo;), entered into a mortgage servicing rights purchase and sale agreement (the &ldquo;Purchase Agreement&rdquo;)
with OneWest Bank, FSB, a federal savings bank (the &ldquo;Seller&rdquo;), pursuant to which OLS agreed to purchase approximately
$78 billion in unpaid principal balance of mortgage servicing rights (&ldquo;MSRs&rdquo;) and related servicing advance receivables,
in each case, measured as of April 30, 2013.&nbsp; No operations or other assets are being purchased in the transaction. The aggregate
purchase price will be approximately $2.53 billion, with $446 million of the aggregate purchase price paid in respect of the MSRs
and approximately $2.1 billion to be paid in respect of the servicing advances, in each case, subject to adjustment for changes
in the unpaid principal balance of the related assets as of the date of closing and other customary post-closing adjustments.
Contemporaneously with the execution of the Purchase Agreement, Ocwen executed a guarantee (the &ldquo;Parent Guarantee&rdquo;),
pursuant to which Ocwen agreed to guarantee the obligations and performance of OLS under the Purchase Agreement. The transactions
described in this paragraph are referred to herein as the &ldquo;Transaction.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Ocwen plans to finance the Transaction primarily
with a combination of cash on-hand, cash generated through operations and available credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Consummation of the Transaction is subject
to, among other things, (i) certain investor and third party consents and (ii) certain customary closing conditions and termination
rights, including in respect of any transfer not completed by January 31, 2014. A termination fee equal to $50 million may be payable
by either party in certain circumstances. As part of the Transaction, the Seller and OLS have agreed to indemnification provisions
for the benefit of the other party. The Transaction is expected to close in stages during the second half of 2013, and Ocwen expects
that the majority of loans will be boarded onto Ocwen&rsquo;s primary servicing platform, which is licensed from Altisource Portfolio
Solutions S.A., at each respective closing for such loans.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The foregoing summaries of the Purchase Agreement
and the Parent Guarantee are qualified in their entirety by reference to the Purchase Agreement and the Parent Guarantee, which
are filed with this Current Report on Form 8-K as Exhibit 2.1 and Exhibit 10.1, respectively, and incorporated herein by reference.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">The Purchase Agreement has been included
to provide investors and security holders with information regarding its terms. It is not intended to provide any other financial
information about Ocwen, the Seller or any of their respective subsidiaries and affiliates. The representations, warranties and
covenants contained in the Purchase Agreement were made only for purposes of that agreement and as of specific dates; were solely
for the benefit of the parties to the Purchase Agreement; may be subject to limitations agreed upon by the parties, including being
qualified by confidential disclosures made for the purposes of allocating contractual risk between the parties to the Purchase
Agreement instead of establishing these matters as facts; and may be subject to standards of materiality applicable to the contracting
parties that differ from those applicable to investors. Investors should not rely on the representations, warranties and covenants
or any description thereof as characterizations of the actual state of facts or condition of Ocwen, the Seller or any of their
respective subsidiaries and affiliates. Moreover, information concerning the subject matter of the representations, warranties
and covenants may change after the date of the Purchase Agreement, which subsequent information may or may not be fully reflected
in public disclosures by Ocwen.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><U>Forward-Looking Statements</U></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">This Current Report on Form 8-K (including
information included or incorporated by reference herein) includes &ldquo;forward-looking statements&rdquo; within the meaning
of the safe harbor provisions of the United States Private Securities Litigation Reform Act of 1995.&nbsp;&nbsp;Such statements
may include, but are not limited to, statements about the benefits of the proposed Transaction, including future financial and
operating results, Ocwen&rsquo;s plans, objectives, expectations and intentions and other statements that are not historical facts.
Such statements are based upon the current beliefs and expectations of the parties and are subject to significant risks and uncertainties.
Actual results may differ from those set forth in the forward-looking statements.</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Risks and uncertainties include uncertainties
as to the purchase price to be paid at closing; the timing of the closing of the Transaction; the possibility that the Transaction
may not close, including, but not limited to, due to the failure to satisfy the closing conditions; the effects of disruption from
the Transaction making it more difficult to maintain business and operational relationships; as well as the risk of new and changing
regulation and policies in the U.S. and internationally and the exposure to litigation and/or regulatory actions.&nbsp;&nbsp;Additional
factors that could cause results to differ materially from those described in the forward-looking statements can be found in Ocwen&rsquo;s
public disclosure filings with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;).&nbsp;&nbsp;Ocwen disclaims any intent
or obligation to update any forward-looking statements as a result of developments occurring after the period covered by this report
or otherwise.&nbsp;&nbsp;Copies of Ocwen&rsquo;s SEC filings are available at the SEC&rsquo;s website at www.sec.gov.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 10pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 10%; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Item 9.01</B></FONT></TD><TD STYLE="width: 90%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Financial&nbsp;Statements
                                                                                                                              and
                                                                                                                              Exhibits</B></FONT></TD>
</TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif">(c)</TD>
    <TD COLSPAN="2">Exhibits.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2" STYLE="vertical-align: top; font-family: Times New Roman, Times, Serif; text-decoration: underline">Number</TD>
    <TD STYLE="vertical-align: bottom; text-decoration: underline">Description</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 4%; font-family: Times New Roman, Times, Serif; text-decoration: none"></TD>
    <TD STYLE="vertical-align: bottom; width: 6%; font-family: Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 90%; font-family: Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">2.1</P></TD>
    <TD STYLE="vertical-align: bottom; font-family: Times New Roman, Times, Serif"></TD>
    <TD STYLE="text-align: left; vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Mortgage Servicing Rights Purchase and Sale Agreement between
Ocwen Loan Servicing, LLC and OneWest Bank, FSB dated as of June13, 2013. The schedules referenced in the Purchase Agreement have
been omitted in accordance with Item 601 (b)(2) of Regulation S-K. A copy of any omitted schedule will be furnished supplementally
to the SEC upon request.</p></TD></TR>
<TR>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-family: Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; text-align: left">
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">10.1</TD>
    <TD STYLE="vertical-align: bottom; font-family: Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify">Guarantee between Ocwen Financial Corporation and OneWest Bank,
        FSB dated as of June 13, 2013.</TD></TR>
</TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SIGNATURES </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Pursuant to the requirements of the Securities Exchange Act of 1934,
as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">OCWEN FINANCIAL CORPORATION</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">(Registrant)</P></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 47%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Date: June 13, 2013</TD>
    <TD NOWRAP STYLE="font: 10pt Times New Roman, Times, Serif">By:&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ John V. Britti</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">John V. Britti</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Executive Vice President &amp; Chief Financial Officer</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">(On behalf of the Registrant and as its principal
<BR>
financial officer)&nbsp;</P></TD></TR>
</TABLE>

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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>ex2_1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: right">Exhibit 2.1</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">MORTGAGE SERVICING RIGHTS PURCHASE
AND SALE AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">by and between</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">ONEWEST BANK, FSB<BR>
(Seller)</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">and</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">OCWEN LOAN SERVICING, LLC<BR>
A Wholly-Owned Subsidiary of<BR>
Ocwen Mortgage Servicing, Inc.<BR>
(Purchaser)</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-align: center">Dated and effective as of June 13,
2013</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;<U>TABLE
OF CONTENTS</U></B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: bottom; width: 7%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 85%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1pt solid"><B>PAGE</B></TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena001_v1">ARTICLE I</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena001_v1">DEFINITIONS; GENERAL INTERPRETIVE PRINCIPLES</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">1</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena002_v1">Section&nbsp;1.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena002_v1">Definitions</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">1</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena003_v1">Section 1.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena003_v1">General Interpretive Principles</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">15</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena004_v1">ARTICLE II</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena004_v1">SALE AND TRANSFER OF SERVICING</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">16</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena005_v1">Section 2.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena005_v1">Items to be Sold</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">16</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena006_v1">Section 2.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena006_v1">Sale Dates</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">16</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena007_v1">Section 2.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena007_v1">Servicing Transfer Dates</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">17</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena008_v1">Section 2.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena008_v1">Servicing Transfer Instructions</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">18</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena009_v1">ARTICLE III</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena009_v1">CONSIDERATION</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">18</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena010_v1">Section 3.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena010_v1">Purchase Price</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">18</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena011_v1">Section 3.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena011_v1">Servicing Transfer Dates and Payments for Advances</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">19</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena012_v1">Section 3.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena012_v1">Correction of Errors</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">20</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena013_v1">Section 3.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena013_v1">Payment of Servicing Fees and Seller Retained Ancillary Income</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">20</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena014_v1">ARTICLE IV</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena014_v1">REPRESENTATIONS AND WARRANTIES AS TO SELLER</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">21</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena015_v1">Section 4.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena015_v1">Due Organization and Good Standing</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">21</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena016_v1">Section 4.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena016_v1">Authority and Capacity</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">21</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena017_v1">Section 4.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena017_v1">Title to the Purchased Assets</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">21</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena018_v1">Section 4.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena018_v1">Effective Agreements</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">22</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena019_v1">Section 4.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena019_v1">Membership and Standing</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">22</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena020_v1">Section 4.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena020_v1">Consents, Approvals and Compliance</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">22</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena021_v1">Section 4.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena021_v1">Settlement Agreements</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">22</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena022_v1">Section 4.08</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena022_v1">Anti-Money Laundering</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">22</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena023_v1">ARTICLE V</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena023_v1">REPRESENTATIONS AND WARRANTIES AS TO PURCHASED ASSETS</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">23</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena024_v1">Section 5.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena024_v1">Servicing</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">23</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena025_v1">Section 5.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena025_v1">Recourse Status</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">25</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena026_v1">Section 5.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena026_v1">Advances</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">25</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena027_v1">Section 5.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena027_v1">Accuracy of Information</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">26</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena028_v1">Section 5.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena028_v1">Delivery of Information</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">26</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena029_v1">Section 5.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena029_v1">Repurchase</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">26</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena030_v1">Section 5.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena030_v1">Servicing Fee Not Sold</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">26</TD></TR>
</TABLE>

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    <TD STYLE="vertical-align: bottom; width: 7%; padding-left: 17.3pt; text-indent: -8.65pt"><A HREF="#ocwena031_v1">Section&nbsp;5.08</A></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 85%"><A HREF="#ocwena031_v1">Damage, Condemnation, and Related Matters</A></TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%; text-align: right">26</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena032_v1">Section 5.09</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena032_v1">Related Escrow and Custodial Accounts</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">26</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena033_v1">Section 5.10</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt"></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena033_v1">Litigation and Orders</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">27</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena034_v1">Section 5.11</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena034_v1">Home Equity Loans</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">27</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena035_v1">Section 5.12</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena035_v1">Loan Modifications</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">27</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena036_v1">Section 5.13</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena036_v1">SCRA</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">27</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena037_v1">Section 5.14</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena037_v1">Refinancing Programs</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">28</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena038_v1">Section 5.15</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena038_v1">Optional Products</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">28</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena039_v1">Section 5.16</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena039_v1">Financial Ability</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">28</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena040_v1">Section 5.17</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena040_v1">No Regulatory Impediment</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">28</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena041_v1">Section 5.18</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena041_v1">No Other Representations; Purpose of Representations</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">28</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena042_v1">ARTICLE VI</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena042_v1">REPRESENTATIONS AND WARRANTIES OF PURCHASER</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">29</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena043_v1">Section 6.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena043_v1">Due Organization and Good Standing</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">29</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena044_v1">Section 6.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena044_v1">Authority and Capacity</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">29</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena045_v1">Section 6.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena045_v1">Effective Agreements</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">30</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena046_v1">Section 6.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena046_v1">Sophisticated Purchaser</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">30</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena047_v1">Section 6.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena047_v1">Purchaser/Servicer Standing</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">30</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena048_v1">Section 6.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena048_v1">MERS Membership</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">30</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena049_v1">Section 6.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena049_v1">Consents, Approvals and Compliance</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">30</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena050_v1">Section 6.08</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena050_v1">Financial Ability</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">31</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena051_v1">Section 6.09</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena051_v1">No Regulatory Impediment</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">31</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena052_v1">Section 6.10</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena052_v1">Servicer Participation Agreement</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">31</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena053_v1">Section 6.11</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena053_v1">No Other Representations</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">31</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena054_v1">ARTICLE&nbsp;VII</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena054_v1">COVENANTS</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">32</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena055_v1">Section 7.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena055_v1">Assignments</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">32</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena056_v1">Section 7.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena056_v1">Servicing Agreement Consents and Notices</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">33</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena057_v1">Section 7.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena057_v1">Transfer Notices</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">33</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena058_v1">Section 7.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena058_v1">Real Estate Taxing Authorities</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">34</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena059_v1">Section 7.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena059_v1">Hazard, Mortgage and Flood</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">35</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena060_v1">Section 7.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena060_v1">Delivery of Mortgage Loan Documentation and Information</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">36</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena061_v1">Section 7.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena061_v1">Delivery of Servicing System Information</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">37</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena062_v1">Section 7.08</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena062_v1">Related Escrow Account Balances</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">38</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena063_v1">Section 7.09</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena063_v1">Payoffs, Assumptions, Modifications, Refinancings, Short Sales and Deeds in Lieu</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">38</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: bottom; width: 7%; padding-left: 17.3pt; text-indent: -8.65pt"><A HREF="#ocwena064_v1">Section&nbsp;7.10</A></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 85%"><A HREF="#ocwena064_v1">Mortgage Loan Payments and Trailing Bills Received After Servicing Transfer Date</A></TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%; text-align: right">39</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena065_v1">Section 7.11</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena065_v1">Misapplied and Returned Payments; Collections of Non-Qualified Advances</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">39</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena066_v1">Section 7.12</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena066_v1">Servicing Obligations</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">40</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena067_v1">Section 7.13</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena067_v1">Solicitation Rights</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">41</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena068_v1">Section 7.14</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena068_v1">Year End Tax Reporting; Other Reporting</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">42</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena069_v1">Section 7.15</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena069_v1">Cooperation</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">42</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena070_v1">Section 7.16</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena070_v1">Supplemental Information</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">42</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena071_v1">Section 7.17</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena071_v1">Access to Information; Required Actions</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">43</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena072_v1">Section 7.18</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena072_v1">Tax, Flood and Other Set Up Costs</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">43</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena073_v1">Section 7.19</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena073_v1">Document Custodian</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">44</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena074_v1">Section 7.20</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena074_v1">Conduct of Business Prior to the Sale Dates</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">44</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena075_v1">Section 7.21</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena075_v1">No Transfer Without Consent</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">44</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena076_v1">Section 7.22</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena076_v1">Mortgage Loans In Litigation, In Bankruptcy and In Foreclosure</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">44</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena077_v1">Section 7.23</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena077_v1">Cooperation with Financing Amendments</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">45</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena078_v1">Section 7.24</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena078_v1">Excess Yield</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">45</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena079_v1">Section 7.25</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena079_v1">Bulk Sales Compliance</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">45</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena080_v1">Section 7.26</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena080_v1">SCRA Schedule</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">45</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena081_v1">Section 7.27</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena081_v1">HELOC Mortgage Loans</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">45</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena082_v1">Section 7.28</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena082_v1">HAMP and 2MP</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">46</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena083_v1">Section 7.29</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena083_v1">Treatment of Pipeline Loans</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">48</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena084_v1">Section 7.30</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena084_v1">Interpretation</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">48</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena085_v1">ARTICLE&nbsp;VIII</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena085_v1">CONDITIONS PRECEDENT TO OBLIGATIONS OF PURCHASER</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">48</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena086_v1">Section 8.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena086_v1">Correctness of Representations and Warranties</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">48</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena087_v1">Section 8.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena087_v1">Compliance with Conditions</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">48</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena088_v1">Section 8.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena088_v1">No Legal Prohibition</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">48</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena089_v1">Section 8.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena089_v1">Consents</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">49</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena090_v1">Section 8.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena090_v1">Investor Consent Agreements</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">49</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena091_v1">Section 8.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena091_v1">Certificate of Seller</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">49</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena092_v1">Section 8.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena092_v1">Delivery of Documents</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">49</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena093_v1">ARTICLE IX</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena093_v1">CONDITIONS PRECEDENT TO OBLIGATIONS OF SELLER</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">49</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena094_v1">Section 9.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena094_v1">Correctness of Representations and Warranties</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">49</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena095_v1">Section 9.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena095_v1">Compliance with Conditions</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">50</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: bottom; width: 7%; padding-left: 17.3pt; text-indent: -8.65pt"><A HREF="#ocwena096_v1">Section&nbsp;9.03</A></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 85%"><A HREF="#ocwena096_v1">Certificate of Purchaser</A></TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%; text-align: right">50</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena097_v1">Section 9.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena097_v1">No Legal Prohibition</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">50</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena098_v1">Section 9.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena098_v1">Investor Consent Agreements</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">50</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena099_v1">Section 9.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena099_v1">Regulatory Approval; Absence of Certain Regulatory Objections</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">50</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena100_v1">Section 9.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena100_v1">Delivery of Documents</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">50</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena101_v1">ARTICLE X</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena101_v1">TERMINATION</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">51</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena102_v1">Section&nbsp;10.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena102_v1">Termination</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">51</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena103_v1">Section 10.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena103_v1">Effect of Termination</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">52</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena104_v1">ARTICLE XI</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena104_v1">RESPONSIBILITY FOR CLAIMS; INDEMNIFICATION; CURE
    OR REPURCHASE</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">53</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena105_v1">Section 11.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena105_v1">[Reserved]</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">53</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena106_v1">Section 11.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena106_v1">Indemnification by Seller</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">53</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena107_v1">Section 11.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena107_v1">Indemnification by Purchaser</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">54</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena108_v1">Section 11.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena108_v1">Repurchase Events</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">55</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena109_v1">Section 11.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena109_v1">Procedures For Third Party Claims That Are Indemnifiable</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">56</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena110_v1">Section 11.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena110_v1">Agency Fees</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">56</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena111_v1">Section 11.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena111_v1">Other Indemnification Provisions; Exclusive Remedy</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">57</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena112_v1">Section 11.08</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena112_v1">Allocation of Liabilities; Limitations on Indemnification Obligations</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">58</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena113_v1">Section 11.09</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena113_v1">Survival</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">58</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena114_v1">Section 11.10</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena114_v1">Treatment of Indemnity Payments</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">58</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena115_v1">Section 11.11</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena115_v1">Limitation of Damages</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">59</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena116_v1">ARTICLE&nbsp;XII</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena116_v1">MISCELLANEOUS</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">59</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena117_v1">Section 12.01</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena117_v1">Costs and Expenses</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">59</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena118_v1">Section 12.02</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena118_v1">Confidentiality</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">60</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena119_v1">Section 12.03</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena119_v1">Broker&rsquo;s Fees</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">60</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena120_v1">Section 12.04</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena120_v1">Notices</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">61</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena121_v1">Section 12.05</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena121_v1">Waivers</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">61</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena122_v1">Section 12.06</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena122_v1">Entire Agreement; Amendment</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">62</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena123_v1">Section 12.07</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena123_v1">Binding Effect</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">62</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena124_v1">Section 12.08</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena124_v1">Headings</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">62</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena125_v1">Section 12.09</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena125_v1">Applicable Law</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">62</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena126_v1">Section 12.10</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena126_v1">Dispute Resolution</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">62</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena127_v1">Section 12.11</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena127_v1">Incorporation of Exhibits and Schedules</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">64</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena128_v1">Section 12.12</A></TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt"><A HREF="#ocwena128_v1">Counterparts</A></TD>
    <TD STYLE="vertical-align: top; text-align: right; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">64</TD></TR>
</TABLE>

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<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; width: 7%"><A HREF="#ocwena129_v1">Section&nbsp;12.13</A></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 85%"><A HREF="#ocwena129_v1">Severability of Provisions</A></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%; text-align: right">64</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena130_v1">Section 12.14</A></TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt"><A HREF="#ocwena130_v1">Public Announcement</A></TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">64</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena131_v1">Section 12.15</A></TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt"><A HREF="#ocwena131_v1">Assignment</A></TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">65</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-left: 17.3pt; text-indent: -8.65pt; padding-top: 4pt"><A HREF="#ocwena132_v1">Section 12.16</A></TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt"><A HREF="#ocwena132_v1">No Third-Party Beneficiaries</A></TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">65</TD></TR>
</TABLE>
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<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; width: 14%; vertical-align: top">EXHIBIT&nbsp;A:</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 80%"> EXHIBIT A SHALL BE DEEMED TO BE THAT CERTAIN FILE IDENTIFIED AS THE MORTGAGE
    TAPE AND UPLOADED TO THE FTP DUE DILIGENCE SITE ON JUNE 12, 2013. </TD>
    <TD STYLE="vertical-align: bottom; width: 5%; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT B:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">FORM OF ASSIGNMENT AND ASSUMPTION AGREEMENT</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT&nbsp;C:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">[RESERVED]</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT&nbsp;D:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">OFFICER&rsquo;S CERTIFICATE</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT E:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">SAMPLE OF SERVICING TRANSFER INSTRUCTIONS (TO BE FINALIZED BY PARTIES AS CONTEMPLATED BY SECTION 2.04)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT F:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">[RESERVED]</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT G:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">[RESERVED]</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT H:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">FORM OF POWER OF ATTORNEY</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT I:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">[RESERVED]</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT J:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">[RESERVED]</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT K:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">[RESERVED]</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">EXHIBIT L:</TD>
    <TD STYLE="vertical-align: top; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 4pt">FORM OF COOPERATION AGREEMENT</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; width: 16%; vertical-align: top">SCHEDULE 1.01(A):</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 78%">Pending Servicing Right Sales</TD>
    <TD STYLE="width: 5%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE&nbsp;1.01&nbsp;(B):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Purchase Price Percentages</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE&nbsp;5.01(a)(iii):&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Judicial and Administrative Judgments, Orders, Remediation Plans, Stipulations, Awards, Writs and Injunctions Assumed By Purchaser</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 5.01(c)(i):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">List of Non-Agency Servicing Agreements</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 5.10(a):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Litigation</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 5.10(b):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Orders</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 5.10(c):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Mortgage Loans In Bankruptcy, Mortgage Loans In Foreclosure and Mortgage Loans or REOs In Litigation</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 7.07(A):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Contents of Electronic Data Files</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 7.07(B):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Data Fields for HELOC Mortgage Loans</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE 7.07(C):</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">Data Fields relating to Loan Modifications and other Loss Mitigation, Foreclosures and Bankruptcy</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
</TABLE>



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    <TD NOWRAP STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; width: 16%">SCHEDULE&nbsp;7.27-A:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 78%">Form of Remittance Data for HELOC Mortgage Loans</TD>
    <TD STYLE="text-align: right; width: 5%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; padding-left: 17.3pt; text-indent: -8.65pt; vertical-align: top; padding-top: 4pt">SCHEDULE&nbsp;7.27-B:</TD>
    <TD STYLE="padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt">HLS HELOC Line Suspension and Appeal Standards</TD>
    <TD STYLE="text-align: right; padding-top: 4pt">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt; text-transform: uppercase; text-align: center"><U>MORTGAGE
SERVICING RIGHTS PURCHASE AND SALE AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">This Mortgage Servicing Rights Purchase
and Sale Agreement (the &ldquo;<U>Agreement</U>&rdquo;), dated as of June 13, 2013, is by and between Ocwen Loan Servicing, LLC,
a Delaware limited liability company (&ldquo;<U>Purchaser</U>&rdquo;), with offices located in 1661 Worthington Road, Centrepark
West, West Palm Beach, Florida, 33409 and OneWest Bank, FSB, a federal savings bank (&ldquo;<U>Seller</U>&rdquo;), with offices
located in 888 East Walnut Street, Pasadena, California 91101 (Purchaser and Seller may collectively be referred to as the &ldquo;<U>Parties</U>,&rdquo;
and each as a &ldquo;<U>Party</U>&rdquo;).</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center"><U>W
I T N E S S E T H:</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B>WHEREAS</B>, Seller desires to sell
to Purchaser, and Purchaser desires to purchase from Seller, certain Mortgage Servicing Rights to certain residential mortgage
loans currently serviced by Seller;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B>WHEREAS</B>, Ocwen Mortgage Servicing,
Inc., the parent corporation of Purchaser, has reviewed, analyzed, and approved this transaction, and has authorized and caused
the Purchaser enter into this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B>WHEREAS</B>, Purchaser and Seller
desire to set forth the terms and conditions pursuant to which Seller will sell, transfer and assign, to Purchaser, all of Seller&rsquo;s
right, title and interest in and to such Mortgage Servicing Rights and the related Advances, and Purchaser will purchase and assume
all right, title and interest in and to those certain Mortgage Servicing Rights and the related Advances identified herein;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B>WHEREAS</B>, contemporaneously with
the execution of this Agreement, (1) Ocwen Financial Corporation, a Florida corporation, has executed that certain Guarantee for
the benefit of Seller, and (2) the Parties have entered into that certain Cooperation Agreement, attached as <B>Exhibit L</B> (the
&ldquo;<U>Cooperation Agreement</U>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B>NOW, THEREFORE</B>, in consideration
of the mutual promises, covenants and conditions and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, and upon the terms and subject to the conditions set forth herein, the Parties hereto agree as follows:</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena001_v1"></A>ARTICLE
I</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">DEFINITIONS; GENERAL INTERPRETIVE PRINCIPLES</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena002_v1"></A>Section
1.01</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Definitions.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Whenever used herein, the following words
and phrases, unless the context otherwise requires, shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>2MP</U>: The Second Lien Modification
Program, a part of the Making Home Affordable Program, a program of the U.S. Department of Treasury.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Accrued Servicing Fees</U>: With respect
to any Servicing Agreement, as of any date of determination, (i) the amount of accrued and unpaid monthly Servicing Fees as of
the related Cutoff Date and (ii) the amount of accrued, but unpaid, Ancillary Income as of the related Cutoff Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Action</U>: Any claim, action, suit,
arbitration, inquiry, proceeding or investigation by or before any Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Advance Reimbursement Amount</U>:
With respect to any Sale Date, the aggregate outstanding amount of all unreimbursed Advances included in the applicable Mortgage
Servicing Rights as of the Cutoff Date; minus the amount of related Non-Qualified Advances (except, in the case of any Mortgage
Loans that are GNMA Agency Loans, an amount equal to (i) all unreimbursed Advances included in the applicable Mortgage Servicing
Rights as of the Cutoff Date minus the amount of related Non-Qualified Advances, multiplied by (ii) 75%).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Advances</U>: All (i) Corporate Advances,
(ii) P &amp; I Advances, (iii) T &amp; I Advances, and (iv) other &ldquo;out-of-pocket&rdquo; advances that are incurred or made
by Seller pursuant to a Servicing Agreement that are eligible for reimbursement thereunder, including, in the case of each of clauses
(i)-(iv), any applicable receivables associated therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Affiliate</U>: Any individual, partnership,
corporation, entity or other Person that directly, or indirectly through one or more intermediaries, controls, is controlled by
or is under common control with the Person specified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Agency</U>: Fannie Mae, Freddie Mac,
GNMA, HUD, FHA and VA, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Agency Mortgage Loans</U>: Any Mortgage
Loan sold to and/or pooled by any Agency to secure or otherwise support any mortgage pass-through security, collateralized mortgage
obligation, REMIC or other security issued or guaranteed by such Agency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Agency Fees</U>: The meaning specified
in <U>Section 11.06</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Agreement</U>: As defined in the first
paragraph hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Ancillary Income</U>: All fees and
income derived from and related to the Mortgage Loans, excluding Servicing Fees attributable to the Mortgage Loans, but including
late charges, prepayment penalties, fees received with respect to checks or bank drafts returned by the related bank for non-sufficient
funds, assumption fees, HAMP servicer incentive fees, HELOC Mortgage Loan line termination fees, optional insurance administrative
fees, income on escrow accounts and custodial accounts or other receipts on or with respect to such Mortgage Loans, and all other
incidental fees, income and charges collected from or assessed against the Mortgagor, other than those charges payable to the applicable
Investor under the terms of the applicable Servicing Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Anti-Money Laundering Laws</U>: The
meaning specified in <U>Section 4.08</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Applicable Requirements</U>: As of
the time of reference and as applicable, (i) all of the terms of the Mortgage Loan Documents, with respect to each Mortgage Loan,
(ii) all federal, state and local laws, rules, regulations and ordinances applicable to the origination (including the taking,
processing and underwriting of the relevant Mortgage Loan application and the closing and/or funding of the relevant Mortgage Loan),
sale, pooling, servicing, subservicing or enforcement of, or filing of claims in connection with, any Mortgage Loan or Mortgage
Servicing Rights at the relevant time, (iii) all requirements set forth in the Servicing Agreements, (iv)&nbsp;to the extent applicable
to a Party, the judicial and administrative judgments, orders, remediation plans, stipulations, awards, writs and injunctions applicable
to any Mortgage Loan or Mortgage Servicing Right, and (v) all applicable legal and contractual obligations to or with any Insurer,
Investor, or Governmental Entity applicable to any Mortgage Loan or Mortgage Servicing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Arbitrator</U>: The meaning specified
in <U>Section 12.10(a)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Assignment and Assumption Agreement</U>:
The meaning specified in <U>Section 2.02(c)(iv)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Assignment of Mortgage</U>: An assignment
of Mortgage, notice of transfer or equivalent instrument in recordable form, sufficient under the laws of the jurisdiction where
the related Mortgaged Property is located to reflect the transfer of the Mortgage instrument identified therein from the transferor
to the transferee named therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Business Day</U>: Any day other than
(a) a Saturday or Sunday or (b) a day on which banking institutions in California, Florida or New York are authorized or obligated
by law or by executive order to be closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Cap</U>: The meaning specified in
<U>Section 11.08</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Closing</U>: The consummation of a
sale of Mortgage Servicing Rights relating to one or more Servicing Agreements pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Collateral File</U>: With respect
to each Agency Mortgage Loan, that file containing the Mortgage Loan Documents or, as permitted by Applicable Requirements, copies
thereof, required under the Applicable Requirements to be held by the Custodian; and, with respect to any other Mortgage Loan,
that file containing the Mortgage Loan Documents or, as permitted by Applicable Requirements, copies thereof, that are both required
pursuant to Applicable Requirements to be held by the Custodian and are necessary to service the Mortgage Loan in accordance with
the Applicable Requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Cooperation Agreement</U>: The meaning
specified in the recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Corporate Advances</U>: Collectively,
any servicer Advance (other than a P &amp; I Advance or a T &amp; I Advance or the Advances referenced in clause (iv) of the definition
thereof) made by Seller pursuant to a Servicing Agreement (or acquired from the FDIC) to inspect, protect, preserve or restore
Mortgaged Properties or REO pending disposition thereof, or for similar or related purposes, including necessary legal fees and
costs expended or incurred by Seller in connection with foreclosure, bankruptcy, eviction or litigation actions with or involving
Mortgagors or third parties insofar as it relates to the servicing of the Mortgage Loans or REO, as well as costs to obtain clear
title to such a property, to protect the priority of the lien created by a Mortgage Loan on such a property, and to manage and
dispose of REO.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Credit and Servicing File(s)</U>:
Those documents, which may be originals, copies or electronically imaged, pertaining to each Mortgage Loan, which are delivered
to Purchaser in connection with the servicing of the Mortgage Loan, which will include originals or copies of the Mortgage Loan
Documents, and all credit and servicing related documentation relating to the origination and servicing of such Mortgage Loan that
(1) Seller was required to retain in its capacity as servicer of such Mortgage Loan in accordance with Applicable Requirements,
and (2) that are necessary to (A) service such Mortgage Loan (or manage any related REO) or (B) otherwise perform the obligations
of the servicer in accordance with the Applicable Requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Custodian</U>: With respect to any
Mortgage Loans and Servicing Agreements, each applicable document custodian holding the related Collateral Files for Seller, Purchaser
or the applicable Investor, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Custodial Accounts</U>: The accounts
in which Custodial Funds are deposited and held by or for any servicer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Custodial Funds</U>: All funds held
by or for Seller with respect to the Mortgage Loans and REOs, including all principal and interest funds and any other funds due
an Investor, buydown funds, funds for the payment of taxes, assessments, insurance premiums, ground rents and similar charges,
funds from hazard insurance loss drafts and other mortgage escrow and impound amounts (including interest accrued thereon for the
benefit of the Mortgagors under the Mortgage Loans, if required by law or contract) maintained by Seller relating to the Mortgage
Loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Cutoff Date</U>: With respect to each
Servicing Agreement, unless otherwise mutually agreed by the Parties or unless otherwise required under the Applicable Requirements,
the following date under the &ldquo;Cutoff Date&rdquo; column below, as applicable:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="width: 39%; border: Black 1pt solid; padding-top: 6pt; padding-bottom: 6pt; text-indent: 0in; font-size: 10pt">&nbsp;&nbsp;<FONT STYLE="font-size: 10pt"><B>Category of Mortgage Loan</B></FONT></TD>
    <TD STYLE="width: 61%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 6pt; padding-bottom: 6pt; text-indent: 0in; font-size: 10pt">&nbsp;&nbsp;<FONT STYLE="font-size: 10pt"><B>Cutoff Date</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">GNMA</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">1<SUP>st</SUP> Business Day of the month in which such Servicing Agreement is to be transferred hereunder</FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">Non-IndyMac-Issued Private Securitizations</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">2<SUP>nd</SUP> Business Day of the month in which such Servicing Agreement is to be transferred hereunder</FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">Freddie Mac</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">15<SUP>th</SUP> calendar day of the month in which such Servicing Agreement is to be transferred hereunder</FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">IndyMac-Issued Private Securitizations</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">16<SUP>th</SUP> calendar day of the month in which such Servicing Agreement is to be transferred hereunder</FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">Fannie Mae and all other Mortgage Loans not identified in the four rows above</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 5.4pt; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">Last Business Day of the month in which such Servicing Agreement is to be transferred hereunder</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>DMDC</U>: The meaning specified in
<U>Section 5.13</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Effective Date</U>: The date of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Estimated Purchase Price</U>: With
respect to the Mortgage Servicing Rights acquired on a Sale Date, the amount that would constitute the Purchase Price for such
Sale Date and such Mortgage Servicing Rights, except that such amount shall be calculated using the unpaid principal balance of
the related Mortgage Loans based on the Estimation Date trial balance set forth in the preliminary Mortgage Loan Schedule provided
by Seller for such Sale Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Estimation Date</U>: With respect
to any Servicing Agreement (including any related Mortgage Servicing Right and Mortgage Loan), the day that would be the Cutoff
Date for such Servicing Agreement in the month preceding the month in which the Cutoff Date occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Excess Servicing Rights Agreements</U>:
Each agreement executed by the applicable Agency, as the Investor, and Seller in connection with the delivery of certain stripped
mortgage-backed securities to Seller in exchange for Seller&rsquo;s &ldquo;excess yield&rdquo; on certain Mortgage Loans previously
delivered by Seller to such Agency, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Excluded Liabilities</U>: Any Losses
and other liabilities, including any repurchase or make-whole obligations resulting from breaches of any Fannie Mae or Freddie
Mac selling representations or warranties in respect of Agency Mortgage Loans (Fannie Mae or Freddie Mac) originated prior to March
19, 2009, provided, however, that Excluded Liabilities would not apply to (1) any Agency Mortgage Loans that are not subject to
an Investor Consent and Waiver Letter or (2) any Losses or other liabilities that are not waived or otherwise released by Fannie
Mae or Freddie Mac, as applicable, pursuant to the Investor Consent and Waiver Letters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Fannie Mae</U>: The Federal National
Mortgage Association or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Fannie Mae Side Letter</U>: As defined
in the Cooperation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>FDIC</U>: The Federal Deposit Insurance
Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>FDIC Agreements</U>: As defined in
the Cooperation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>FHA</U>: The Federal Housing Administration
or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Financing Amendment</U>: Any amendment,
consent or acknowledgement with respect to the terms of any Non-Agency Servicing Agreement to allow for the financing of Advances
by Purchaser on commercially reasonable terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Freddie Mac</U>: The Federal Home
Loan Mortgage Corporation or any successor thereto.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Fundamental Reps</U>: (a) With respect
to Seller, <U>Sections 4.01</U> (Due Organization and Good Standing), <U>4.02</U> (Authority and Capacity), <U>4.03</U> (Title
to the Purchased Assets) and <U>5.01(b)(i)</U> (Mortgage Servicing Rights) and (b) with respect to Purchaser, <U>Sections </U>6.01
(Due Organization and Good Standing) and <U>6.02</U> (Authority and Capacity).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>GNMA</U>: The Government National
Mortgage Association or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>GNMA Agency Loans</U>: Any Mortgage
Loan sold to and/or pooled by GNMA to secure or otherwise support any a mortgage pass-through security, collateralized mortgage
obligation, REMIC or other security issued or guaranteed by GNMA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>GNMA Mortgage Pool</U>: One or more
Mortgage Loans that have been aggregated pursuant to the requirements of GNMA and have been pledged to secure or support payments
on specific securities or participation certificates or whole loan pools.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Governmental Entity</U>: Any federal,
state or local governmental authority, agency, commission or court or self-regulatory authority or commission, including any Agency,
the Consumer Financial Protection Bureau and the Regulator.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Guides</U>: As of the time of reference,
(a) the handbooks of HUD and the VA, (b) the Fannie Mae Selling and Servicing Guides, (c) the Freddie Mac Sellers&rsquo; and Servicers&rsquo;
Guides, and (d) the GNMA Mortgage Backed Securities Guides, as in effect at the relevant time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>HAMP</U>: The Home Affordable Modification
Program, a part of the Making Home Affordable Program, a program of the U.S. Department of Treasury.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>HARP</U>: The Home Affordable Refinance
Program, a program of the U.S. Department of Treasury.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>HELOC Mortgage Loan</U>: A Mortgage
Loan that is a home equity line of credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>HUD</U>: The United States Department
of Housing and Urban Development or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>In Bankruptcy</U>: Describes a Mortgage
Loan with respect to which the Mortgagor: (i) has made an assignment for the benefit of creditors or petitioned or applied to any
tribunal for the appointment of a custodian, receiver or trustee for him or for a substantial part of his assets; (ii) has commenced
any proceeding under any bankruptcy, reorganization, readjustment of debt, dissolution, or liquidation law or statute of any jurisdiction,
whether now or hereafter in effect; or (iii) has pending against him any such petition, application or proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>In Foreclosure</U>: Describes a Mortgage
Loan with respect to which a foreclosure proceeding, sale under power of sale proceedings, or other proceedings for the acquisition
of title to the Mortgaged Property based upon a default by the Mortgagor, have been instituted and are pending or have been completed,
or a deed in lieu of foreclosure has been accepted or is pending, or a Mortgage Loan that that has been referred to an attorney
for the commencement of any such proceedings.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>In Litigation</U>: Describes a Mortgage
Loan or REO that is the subject of pending litigation (other than uncontested litigation that has been brought by Seller seeking
judicial declaration of foreclosure and similar forms of uncontested litigation initiated by Seller) involving Seller, the FDIC,
any originator, any prior servicer or any Investor of the Mortgage Loan or REO.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Initial Cutoff Date</U>: The Cutoff
Date relating to the Initial Sale Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Initial Sale Date</U>: The first Sale
Date to take place in accordance with the terms of this Agreement, as provided in the definition of &ldquo;Sale Date.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Insurer</U>: (i) A Person who insures
or guarantees all or any portion of the risk of loss on any Mortgage Loan, any Agency and any provider of private MI, hazard insurance,
flood insurance, earthquake insurance or title insurance with respect to any Mortgage Loan, Mortgaged Property or REO, as the case
may be, including any Governmental Entity or (ii) a Person who provides, with respect to any Servicing Agreement or any Applicable
Requirement, any fidelity bond, direct surety bond, letter of credit or errors and omissions policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Investor</U>: Any Agency, private
investor, trust, mortgage-backed securities certificate insurer or other Person who owns or holds Mortgage Loans or any interest
therein (including any trustee on behalf of any holders of any related mortgage-backed securities, and not the holders of such
related mortgage-backed securities) serviced by Seller pursuant to any Servicing Agreement, <U>provided</U>, that if Seller only
owes Servicing obligations to a master servicer or Person other than the owner, holder or committed purchaser of a Mortgage Loan
or any interest therein (including any trustee on behalf of any holders of any related mortgage-backed securities) under a Non-Agency
Servicing Agreement, such master servicer or other Person shall be deemed to be the Investor for the purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Investor Consent and Waiver Letters</U>:
The meaning specified in <U>Section 8.05</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Knowledge</U>: When used in respect
of either Party, means the actual knowledge of the executive officers of such Party, without a requirement of inquiry.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Legacy Litigation Claim</U>: Any (1)
litigation, action, suit or arbitration that is pending as of the relevant Sale Date against Seller that relates to any act or
omission prior to such Sale Date by Seller, any prior servicer, subservicer or originator in respect of any of the related Mortgage
Loans or Mortgage Servicing Rights, (2) litigation, action, suit or arbitration that relates to any act or omission prior to such
Sale Date that is commenced against Seller (unless Purchaser or an Affiliate of Purchaser is also a named party) within 90 days
following such Sale Date (provided that no litigation, action, suit or arbitration shall qualify as a Legacy Litigation Claim under
this subsection if such litigation, action, suit or arbitration was previously commenced against Purchaser or any Affiliate of
Purchaser and Seller was later substituted as a defendant in place of Purchaser or any Affiliate of Purchaser, or if such litigation,
action, suit, or arbitration was previously commenced against Purchaser or any Affiliate of Purchaser and, following the dismissal
of such matter, a litigation, action, suit or arbitration arising out of the same set of operative facts was subsequently commenced
by the same plaintiff against Seller), (3) litigation, action, suit or arbitration that relates to any act or omission prior to
such Sale Date by Seller, any prior servicer, subservicer or originator in respect of any of the related Mortgage Loans or Mortgage
Servicing Rights with respect to which such action has been threatened to be initiated against Seller, which threat has been communicated
to Seller in writing by an attorney prior to the relevant Sale Date in a manner that puts Seller on notice of the reasonable possibility
of litigation or other legal action relating to such matter, and (4) litigation, action, suit or arbitration referenced on the
Supplemental Due Diligence Information memorandum dated May 6, 2013 provided by Seller to Purchaser under the captions &ldquo;Litigation
&ndash; Assured&rdquo;, &ldquo;Litigation &ndash; City of Los Angeles v. Deutsche Bank,&rdquo; &ldquo;Litigation &ndash; City of
Los Angeles v. U.S. Bank,&rdquo; &ldquo;Putative Class Actions&rdquo; (including the matters referenced in the identified folder
on the FTP due diligence site). No claim by any Agency for Agency Fees shall be deemed to be a Legacy Litigation Claim, it being
understood that the responsibility for Agency Fees is addressed in <U>Section 11.06</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Loss</U> or <U>Losses</U>: Any and
all losses, liabilities, obligations, damages, deficiencies, claims, costs, penalties, fines, curtailments or expenses, including
reasonable attorneys&rsquo; fees and disbursements, and expenses and costs of investigation and litigation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>MERS</U>: Mortgage Electronic Registration
Systems, Inc., or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>MI</U>: The default insurance provided
by private mortgage insurance companies on certain Mortgage Loans, whether lender-paid or borrower-paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Mortgage</U>: The mortgage, mortgage
deed, deed of trust or other instrument creating a lien upon real property securing the Mortgage Note and related to a Mortgage
Loan; except that, with respect to real property located in jurisdictions in which the use of leasehold estates for residential
properties is a widely-accepted practice, the mortgage, deed of trust or other instrument securing the Mortgage Note may secure
and create a lien upon a leasehold estate of the Mortgagor, as the case may be, including any riders, addenda, assumption agreements
or modifications relating thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Mortgage Loan</U>: Each of those mortgage
loans described in the Mortgage Loan Schedule, as the same may be amended and updated pursuant to <U>Section 2.01</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Mortgage Loan Documents</U>: With
respect to each Mortgage Loan, (i) the original Mortgage Loan documents held by the Custodian, including the Mortgage Note (or,
if such document is missing, to the extent permitted under the Applicable Requirements, an equivalent or replacement document,
such as a lost note affidavit), and if applicable, cooperative mortgage loan related documents and a power of attorney, a consolidation,
extension, assumption and modification agreement, or other modification documents and (ii) all documents required by an Investor
to be held by the Custodian under the Applicable Requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Mortgage Loan Schedule</U>: On the
Effective Date, the preliminary Mortgage Loan Schedule shall be represented by <B> Exhibit A </B>,<B> </B>which will identify
all Mortgage Loans for which Mortgage Servicing Rights are eligible for sale hereunder as of April 30, 2013. The final Mortgage
Loan Schedule shall include the mortgage loans included on the preliminary Mortgage Loan Schedule (unless such Mortgage Loans
have paid off or have been repurchased from an Investor as of the applicable Cutoff Date), together with any Pipeline Mortgage
Loans. The final Mortgage Loan Schedule shall set forth the information with respect to each Mortgage Loan for which Mortgage
Servicing Rights are to be sold hereunder and shall indicate whether a Mortgage Loan has been charged off by Seller, and each
such schedule may be delivered in electronic form (and the Mortgage Loan Schedule shall include the fields included in Exhibit
A as well as such other fields as Purchaser and Seller may reasonably agree, negotiating in good faith). The final Mortgage Loan
Schedule may also exclude (a) those Mortgage Loans relating to the Mortgage Servicing Right sales identified on <U>Schedule 1.01(A)</U>,
and (b) Mortgage Loans with an aggregate unpaid principal balance as of April 30, 2013 up to 1.5% of the aggregate unpaid principal
balance of the Mortgage Loans on the preliminary Mortgage Loan Schedule attached hereto as <B>Exhibit A</B> to the extent resulting
from ordinary course business transfers or settlement negotiations arising prior to the related Cutoff Date.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Mortgage Note</U>: With respect to
any Mortgage Loan, the note or other evidence of indebtedness of the Mortgagor thereunder, including, if applicable, allonges and
lost note affidavits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Mortgage Servicing Rights</U>: The
rights and responsibilities with respect to servicing the Mortgage Loans under the Servicing Agreements, including any and all
of the following if and to the extent provided therein: (a) all rights to service a Mortgage Loan; (b) all rights to receive Servicing
Fees and Ancillary Income, including Accrued Servicing Fees but excluding Seller Retained Ancillary Income; (c) the right to collect,
hold and disburse escrow payments or other payments with respect to the Mortgage Loan and any amounts actually collected with respect
thereto and to receive interest income on such amounts to the extent permitted by Applicable Requirements; (d)&nbsp;all accounts
and other rights to payment related to any of the property described in this paragraph; (e)&nbsp;possession and use of any and
all Credit and Servicing Files pertaining to the Mortgage Loan or pertaining to the past, present or prospective servicing of the
Mortgage Loan; (f) all agreements or documents creating, defining or evidencing any such Mortgage Servicing Rights and all rights
of Seller thereunder, including any clean-up calls and termination options; (g) all rights to reimbursement for any unreimbursed
Advances as of the related Cutoff Date, or other expenses and costs, on or after the related Cutoff Date to which Seller, in its
capacity as servicer, may be entitled pursuant to the related Servicing Agreements; (h) to the extent applicable and subject to
the restrictions in <U>Section 7.13(b)</U>, all rights and benefits relating to the direct solicitation of the related Mortgagors
for refinance or modification of the Mortgage Loans and attendant right, title and interest in and to the list of such Mortgagors
and data relating to their respective Mortgage Loans; and (i) all rights, powers and privileges incident to any of the foregoing,
including any right to manage any related REO; <U>provided</U>, <U>however</U>, that the term Mortgage Servicing Rights shall not
include any obligations of Seller as a seller of Mortgage Loans under the Servicing Agreements (or related transaction agreements),
including any obligations in connection with any representations or warranties with respect to the related Mortgage Loans made
by Seller as seller or any obligation to remedy breaches of any representations or warranties with respect to the origination of
the Mortgage Loans or any other obligation of Seller in its capacity as a seller of the Mortgage Loans thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Mortgaged Property</U>: Any real or
other property permitted by Applicable Requirements securing repayment of a related Mortgage Note, consisting of a fee simple interest
in a single parcel of real property, improved by a residential dwelling, or other property permitted by Applicable Requirements.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Mortgagor</U>: An obligor or co-signer
under a Mortgage Loan and his/her successors in title to the Mortgaged Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Non-Agency Servicing Agreement</U>:
Each Servicing Agreement pursuant to which Seller services Mortgage Loans on behalf of any Investor other than an Agency (as each
such Servicing Agreement has been amended from time to time), all of which, for the avoidance of doubt, are, or upon updating in
accordance with <U>Section 5.01(c)(i)</U> shall be, set forth on Schedule 5.01(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Net Servicing Fees</U>: The base,
monthly Servicing Fees based on a percentage of the outstanding or stated principal balance of the Mortgage Loans payable to the
owner of the Mortgage Loan as of the origination of such Mortgage Loan, less (i) lender-paid mortgage insurance, and (ii) any other
components of the Servicing Fees that Seller is not entitled to retain as compensation pursuant to a Servicing Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Non-Qualified Advance</U>: With respect
to a Servicing Transfer Date, an Advance made by Seller under a Servicing Agreement to a third party that is not payable (without
regard to the credit quality of the source of payment) from either (x)&nbsp;the applicable Investor or proceeds of the Mortgage
Loans collected pursuant to the applicable Servicing Agreement, or (y)&nbsp;the applicable Mortgagor on a Mortgage Loan pursuant
to the terms of the Mortgage Loan Documents and applicable law in effect as of the related Sale Date because, in either case, (a)&nbsp;such
advance does not qualify as an Advance eligible for reimbursement, (b) Seller has made a determination that such advance is not
eligible for reimbursement from either of the sources referenced in clauses (x) or (y) above, or (c)&nbsp;reasonable documentation
as to the type and amount of such Advance is not available and as a result such Advance is not eligible for reimbursement. For
the avoidance of doubt, (i) the fact that an Advance is not reimbursable as a result of a failure of the applicable Investor or
Mortgagor to pay such Advance, or that such Advance would not reasonably be expected to be collectible as a result of the creditworthiness
of the applicable Investor or Mortgagor, shall not in and of itself constitute a basis to determine that such Advance is a Non-Qualified
Advance and (ii) with respect to GNMA Agency Loans, Non-Qualified Advances shall not include ordinary program deductions from the
calculation of insurance or guaranty benefits of the FHA or VA not relating to a servicer breach under Applicable Requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Order</U>: Any order, injunction,
judgment, decree, ruling, writ, assessment, agreement or arbitration award of a Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>P &amp; I Advances</U>: Principal
and interest advances made by Seller (or acquired from the FDIC) in accordance with the applicable Servicing Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Party/Parties</U>: The meaning specified
in the preamble of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Person</U>: Any individual, partnership,
corporation, limited liability company, business entity, banking entity, joint stock company, trust, unincorporated organization,
joint venture or other entity.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Pipeline Mortgage Loans</U>: All of
the Fannie Mae Mortgage Loans with respect to which there is a rate lock or similar commitment entered into by Seller before the
close of business on the Cutoff Date in respect of the Fannie Mae Mortgage Loans, but in respect of which such Agency Mortgage
Loan has not been funded and/or processed, pooled and sold by Seller as of such Cutoff Date. The Mortgage Servicing Rights in respect
of such Pipeline Mortgage Loans shall be sold hereunder in accordance with the terms of this Agreement provided that they are processed,
pooled and sold by Seller to Fannie Mae prior to the Termination Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Powers of Attorney</U>: The meaning
specified in <U>Section 2.03(b)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Purchase Price</U>: With respect to
each Mortgage Loan (other than a Pipeline Mortgage Loan and a Specified HARP Loan) and REO, the product of the unpaid principal
balance (as of the corresponding Cutoff Date) associated with such Mortgage Loan or REO, as applicable, as to which the related
Mortgage Servicing Rights are sold on the Sale Date, multiplied by the applicable Purchase Price Percentage. With respect to each
Pipeline Mortgage Loan and Specified HARP Loan, the Purchase Price will be equal to (1) the Net Servicing Fee of such Pipeline
Mortgage Loan, multiplied by (2) the unpaid principal balance (as of the corresponding Cutoff Date) of such Pipeline Mortgage Loan
(or, in respect of Specified HARP Loans, the unpaid principal balance as of the corresponding Cutoff Date) of such Pipeline Mortgage
Loan or Specified HARP Loan, multiplied by (3) three (3.0) (if such Pipeline Mortgage Loan or Specified HARP Loan is a fixed interest
rate loan of thirty (30) years or more in duration) or two and a half (2.5) (if such Pipeline Mortgage Loan or Specified HARP Loan
is a variable interest rate loan and/or if it is for a period of less than thirty (30) years in duration).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Purchase Price Percentage</U>: With
respect to each Mortgage Loan and REO, the applicable percentage set forth on <U>Schedule 1.01(B)</U> used in connection with the
calculation of the Purchase Price with respect to the Mortgage Servicing Rights related to such Mortgage Loan or REO. For the avoidance
of doubt, the Purchase Price Percentage for any Mortgage Loan or REO that has been charged off by Seller as identified on the Mortgage
Loan Schedule shall be 0% (but the unreimbursed Advances made in respect of such charged off Mortgage Loans or REOs, other than
Non-Qualified Advances, shall be included in the Advance Reimbursement Amount to the extent provided in the definition of &ldquo;Advance
Reimbursement Amount&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Purchased Assets</U>: The meaning
specified in <U>Section 2.01</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Purchaser</U>: The meaning specified
in the preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Purchaser Material Adverse Effect</U>:
A material adverse effect upon the ability of Purchaser to consummate the transfer of the relevant Purchased Assets or perform
its obligations under the Transaction Documents with respect thereto, <U>provided</U>, that, for purposes of this Agreement, a
Purchaser Material Adverse Effect shall not include any such effect to the extent resulting from (i)&nbsp;changes to the housing
or mortgage market or the mortgage servicing industry generally; (ii)&nbsp;the announcement or disclosure of the Transactions;
(iii) general economic, regulatory or political conditions or changes in the United States, including with respect to financial,
banking or securities markets; (iv) military action or acts of terrorism; or (v) changes in law or the Applicable Requirements
that become effective after the date hereof that Purchaser is required to adopt in accordance therewith. For purposes of determining
whether a Purchaser Material Adverse Effect has taken place, the Parties will not take into account any Losses that would be indemnifiable
under <U>Article XI</U> (and giving effect to any application of the limitations set forth in <U>Section 11.08</U>).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Recourse Servicing</U>: Mortgage Servicing
Rights with respect to which the servicer, pursuant to the applicable Guide or a Servicing Agreement or any other Applicable Requirements,
has an obligation or liability with respect to any Mortgage Loan (A) for Losses incurred in connection with the foreclosure or
other disposition of, or other realization or attempt to realize upon the collateral securing, such Mortgage Loan (including Losses
relating to loss mitigation or obtaining deeds in lieu of foreclosure); (B) to repurchase such Mortgage Loan in the event that
the Mortgagor of such Mortgage Loan is in bankruptcy, or the Mortgage Loan is in foreclosure or in litigation; or (C) to repurchase
such Mortgage Loan in the event of a delinquency or other payment default thereunder by the Mortgagor except, in each case, for
any such obligation or liability arising from a failure by a servicer or any predecessor servicer to service and administer a Mortgage
Loan in accordance with Applicable Requirements. For the avoidance of doubt, any ordinary Servicing obligations under the GNMA
Mortgage Backed Securities Guides shall not be deemed to constitute &ldquo;Recourse Servicing.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Regulator</U>: The Office of the Comptroller
of the Currency or any successor thereto or other Governmental Entity having jurisdiction over Seller or Purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Related Escrow Accounts</U>: Mortgage
Loan escrow/impound accounts maintained by Seller relating to the Mortgage Servicing Rights, including accounts for buydown funds,
real estate taxes and MI, flood and hazard insurance premiums.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Related Parties</U>: With respect
to a Person, such Person&rsquo;s officers, directors, shareholders, partners, members, owners, employees, agents, attorneys, Affiliates
and advisors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>REO</U>: A Mortgaged Property described
in the Mortgage Loan Schedule, as the same may be amended and updated pursuant to <U>Section 2.01</U>, acquired by Seller for its
own account or on behalf of an Investor through foreclosure or by deed in lieu of foreclosure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Retained Servicing Rights</U>: The
meaning specified in <U>Section 10.01(c)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Rules</U>: The meaning specified in
<U>Section 12.10</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Sale Date</U>: With respect to any
Closing, the date of consummation of such Closing. The occurrence of the Initial Sale Date shall be subject to satisfaction or
waiver of the conditions set forth in <U>Article VIII</U> and <U>Article IX</U> (other than those conditions that by their nature
are to be satisfied at the Closing, but subject to their satisfaction), and shall take place on the first Business Day following
the Cutoff Date for the applicable Mortgage Servicing Rights to be transferred, provided, that the Initial Sale Date shall be no
earlier than July 31, 2013 (or such other date as may be mutually agreed to in writing by Seller and Purchaser). Thereafter, a
Sale Date in respect of any Trailing Purchased Assets with respect to which the conditions set forth in <U>Article VIII</U> and
<U>Article IX</U> are satisfied or waived (other than those conditions that by their nature are to be satisfied at the Closing,
but subject to their satisfaction or waiver) shall take place on the first Business Day following the Cutoff Date for the applicable
Mortgage Servicing Rights to be transferred (or such other date as may be mutually agreed to in writing by Seller and Purchaser).
The Sale Date with respect to the Closing of Mortgage Servicing Rights related to any Pipeline Mortgage Loans shall be the date
that such Mortgage Loans are pooled by Seller for sale to an Agency.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>SCRA</U>: The meaning specified in
<U>Section 5.13</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Seller</U>: The meaning specified
in the preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Seller Material Adverse Effect</U>:
A material adverse effect on (a) the applicable portion (taken as a whole) of the Purchased Assets (including the relevant Mortgage
Servicing Rights) being sold on the related Sale Date, or (b) the ability of Seller to consummate the transfer of the relevant
Purchased Assets or perform its obligations under the Transaction Documents with respect thereto; <U>provided</U>, that, for purposes
of this Agreement, a Seller Material Adverse Effect shall not include any such effect to the extent resulting from (i)&nbsp;changes
to the housing or mortgage market or the mortgage servicing industry generally; (ii)&nbsp;the announcement or disclosure of the
Transactions; (iii) general economic, regulatory or political conditions or changes in the United States, including with respect
to financial, banking or securities markets; (iv) military action or acts of terrorism; or (v) changes in law or the Applicable
Requirements that become effective after the date hereof that Seller is required to adopt in accordance therewith. For purposes
of determining whether a Seller Material Adverse Effect has taken place, the Parties will not take into account any Losses that
would be indemnifiable under <U>Article XI</U> (and giving effect to any application of the limitations set forth in <U>Section
11.08</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Seller Paid Agency Fees</U>: Either
(i) Agency Fees relating to Mortgage Loans for which foreclosure was completed on or prior to the date that is ninety (90) days
following the applicable Servicing Transfer Date or (ii) in the case of a loan repurchase claim described in <U>Section 11.06(iv)</U>
that relates to a Mortgage Loan for which foreclosure was completed on or prior to the date that is ninety (90) days following
the applicable Servicing Transfer Date, the amount payable to the Agency in connection with such loan repurchase.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Seller Retained Ancillary Income</U>:
With respect to any Servicing Agreement, (i) all HAMP servicer incentive fees earned, but unpaid, as of the related Servicing Transfer
Date, and (ii) all other Ancillary Income accrued, but unpaid, as of the related Servicing Transfer Date and collected on or prior
to the 90<SUP>th</SUP> day following such Servicing Transfer Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Servicing</U>: The responsibilities
with respect to servicing the Mortgage Loans under the Applicable Requirements, whether performed as a servicer (including master
servicer), subservicer or interim servicer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Servicing Agreement Consent</U>: Any
consent, approval or authorization that is required from an Investor or any other third party (including any Governmental Entity)
in order to assign or otherwise transfer such Servicing Agreement or related Mortgage Servicing Rights to Purchaser pursuant to
the terms of this Agreement (including, with respect to Mortgage Servicing Rights related to Pipeline Mortgage Loans, any Agency
consent, approval or authorization necessary to process, pool and/or sell such Pipeline Mortgage Loans), which consent, approval
or authorization shall satisfy the Applicable Requirements under such Servicing Agreement, if any, with respect to the assignment
or transfer of the Servicing Agreement and related Mortgage Servicing Rights to, and assumption of the Servicing Agreement and
related Mortgage Servicing Rights by, Purchaser pursuant to the terms of this Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Servicing Agreements</U>: The contracts,
and all applicable rules, regulations, procedures, manuals and guidelines incorporated therein, defining the rights and obligations
of the Investor and servicer, with respect to the Mortgage Servicing Rights, consisting of, as applicable, the Non-Agency Servicing
Agreements and the contracts and other documents, including the Guides (as each such contract and other document has been amended
from time to time), and including waivers approved by an Investor, and including the Excess Servicing Rights Agreements, under
which Seller or Purchaser, as applicable, is obligated to Service the Mortgage Loans relating to the Mortgage Servicing Rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Servicing Fees</U>: All base servicing
fees payable to Seller under the applicable Servicing Agreements, including each servicing fee payable based on a percentage of
the outstanding or stated principal balance of the Mortgage Loans and any payments received in respect of the foregoing and proceeds
thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Servicing Transfer Date</U>: With
respect to each Mortgage Servicing Right, the Sale Date of such Mortgage Servicing Right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Servicing Transfer Instructions</U>:
The instructions detailing the procedures pursuant to which Seller shall effect each transfer of the Mortgage Servicing Rights,
Advances, Custodial Funds, Credit and Servicing Files and Collateral Files to Purchaser, a sample of which is attached hereto as
<B>Exhibit E</B>, as such document will be finalized by the Parties as contemplated by <U>Section 2.04</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Specified HARP Loan</U>: A Mortgage
Loan that is funded and/or processed, pooled and sold by Seller at any point from and after May 1, 2013 through the relevant Sale
Date pursuant to a refinancing of a Mortgage Loan pursuant to HARP. The Specified HARP Loans shall be accurately identified as
such by Seller in the relevant final Mortgage Loan Schedule.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Subject Month</U>: The meaning specified
in <U>Section 3.04</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>T &amp; I Advances</U>: Advances made
pursuant to a Servicing Agreement (or acquired from the FDIC) by Seller for the payment of taxes and insurance amounts due with
respect to the Mortgage Loans and REOs, in accordance with the applicable Servicing Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Termination Date</U>: January 31,
2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Termination Fee</U>: The meaning specified
in <U>Section 10.02(b)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Third Party Claim</U>: The meaning
specified in <U>Section 11.05</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><U>Trailing Documents</U>: Mortgage Loan
Documents that are required by an Investor pursuant to Applicable Requirements to be part of the Collateral File that, as of the
time of reference, (i) are in the custody of Seller&rsquo;s counsel in accordance with Applicable Requirements or (ii)&nbsp;have
been submitted for recording and have not yet been returned to Seller by the applicable recording office.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Trailing Purchased Assets</U>: The
meaning specified in <U>Section 2.02(a)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Transaction Documents</U>: This Agreement,
any Assignment and Assumption Agreements, the Powers of Attorney and the Cooperation Agreement (including, in each case, any and
all exhibits, schedules and attachments to any such documents and any other documents executed or delivered in connection therewith).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Transactions</U>: With respect to
any Sale Date, the sale of the related Purchased Assets by Seller to Purchaser and the other transactions contemplated by this
Agreement with respect to such Sale Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>Uncapped Seller Amounts</U>: Any Losses
relating to repurchase obligations, make whole obligations or other fees or penalties imposed by an Agency (other than Agency Fees)
relating to breaches of representations and warranties by, or acts or omissions of, Seller, any prior servicer, subservicer or
originator arising on or prior to the applicable Servicing Transfer Date for which a written claim as been made on or prior to
the applicable Servicing Transfer Date or within ninety (90) days following the applicable Servicing Transfer Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>United States Treasury</U>: The Department
of the Treasury of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><U>VA</U>: The United States Department
of Veterans Affairs and any successor thereto.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena003_v1"></A>Section
1.02</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>General Interpretive Principles.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">For purposes of this Agreement, except
as otherwise expressly provided or unless the context otherwise requires:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">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;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Accounting terms not otherwise defined herein have the meanings assigned to them in accordance
with generally accepted accounting principles;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">References herein to &ldquo;Articles&rdquo;, &ldquo;Sections&rdquo;, &ldquo;Subsections&rdquo;,
&ldquo;Paragraphs&rdquo;, and other subdivisions without reference to a document are to designated Articles, Sections, Subsections,
Paragraphs and other subdivisions of this Agreement;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">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;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The words &ldquo;herein&rdquo;, &ldquo;hereof&rdquo;, &ldquo;hereunder&rdquo; and other words
of similar import refer to this Agreement as a whole and not to any particular provision; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The term &ldquo;include&rdquo; or &ldquo;including&rdquo; shall mean without limitation by
reason of enumeration.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(g)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For the avoidance of doubt and notwithstanding anything herein to the contrary, any provision
of this Agreement which allocates liability or risk to Seller, including Seller&rsquo;s indemnification obligations under <U>Section
11.02</U>, with respect to any Person&rsquo;s (other than Seller&rsquo;s) actions or omissions with respect to any Mortgage Loan,
shall not be deemed to be an admission of liability or risk by Seller to any Person other than to Purchaser pursuant to the terms
of this Agreement.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena004_v1"></A>ARTICLE
II</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">SALE AND TRANSFER OF SERVICING</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena005_v1"></A>Section
2.01</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Items to be Sold.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Subject to, and upon the terms and conditions
of this Agreement, Seller shall, as hereinafter provided, sell, transfer, and deliver to Purchaser all of Seller&rsquo;s right,
title and interest in and to the Mortgage Servicing Rights, including its right, title and interest in the Accrued Servicing Fees
(other than Seller Retained Ancillary Income), Custodial Funds, Collateral Files and Credit and Servicing Files (collectively,
the &ldquo;<U>Purchased Assets</U>&rdquo;), and Purchaser agrees to purchase such right, title and interest in and to the Purchased
Assets and to assume all of Seller&rsquo;s obligations under the related Servicing Agreements and other Purchased Assets, subject
to the limitations set forth in <U>Section 7.12(b)</U> and subject to the indemnification provisions set forth in <U>Article XI</U>.
Seller and Purchaser acknowledge and agree that the Mortgage Loan Schedule will be preliminary on the related Sale Date and will
not fully account for Mortgage Loans or REOs that may have been fully pre-paid or liquidated prior to the corresponding Cutoff
Date. No later than ten (10) Business Days after the related Sale Date, Seller shall complete and provide to Purchaser a final
Mortgage Loan Schedule with respect to the Mortgage Servicing Rights sold on such Sale Date.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena006_v1"></A>Section
2.02</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Sale Dates.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Statement of Intent</U>. It is the intent of the Parties that (i) as many Purchased Assets
as reasonably practicable shall be sold to the Purchaser on the Initial Sale Date, (ii) if the Initial Sale Date has occurred,
but to the extent that not all of the relevant Servicing Agreement Consents have been obtained as of the Initial Sale Date and
as a result not all of the Mortgage Servicing Rights eligible for sale hereunder have been transferred, then, at Seller&rsquo;s
option, the Parties will negotiate in good faith to enter into a subservicing arrangement to effect a transfer of the rights and
responsibilities of any Purchased Assets that are not sold at the Initial Sale Date (the &ldquo;<U>Trailing Purchased Assets</U>&rdquo;),
(iii) as Servicing Agreement Consents for Trailing Purchased Assets are received, such Trailing Purchased Assets shall be sold
to Purchaser in subsequent Closings as provided herein, and (iv) any Trailing Purchased Assets that have not been sold to Purchaser
as of the Termination Date will not be sold hereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Purchased Assets</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subject to the terms and conditions of this Agreement, including the receipt of the applicable
Servicing Agreement Consents, on each Sale Date, all legal, beneficial and equitable ownership of and to the applicable Purchased
Assets shall be sold, assigned, transferred, conveyed and delivered by Seller to Purchaser, and Purchaser shall purchase from Seller,
all legal, beneficial and equitable ownership of and to such Purchased Assets, free and clear of all liens, and shall assume all
of Seller&rsquo;s obligations under the related Servicing Agreements and other Purchased Assets, subject to the limitations set
forth in <U>Section 7.12(b)</U> and subject to the indemnification provisions set forth in <U>Article XI</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For the avoidance of doubt, if the Servicing Agreement Consents for any Servicing Agreements
are not obtained prior to the Termination Date, then the Purchased Assets relating to such Servicing Agreements shall not be purchased
by Purchaser and will not be sold hereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Deliverables</U>. The following documents shall be exchanged between the Parties (as applicable)
on or prior to each Sale Date:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The duly executed corporate resolutions of Purchaser regarding the Transactions certified
by an appropriate officer and the certificate of Purchaser required by <U>Section 9.03</U>; <U>provided</U> that such resolutions
and certificate of Purchaser will be required to be delivered only on the Initial Sale Date;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The duly executed corporate resolutions of Seller regarding the Transactions certified by
an appropriate officer and the certificate of Seller required by <U>Section 8.06</U>; <U>provided</U> that such resolutions and
certificate of Seller will be required to be delivered only on the Initial Sale Date;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All Servicing Agreement Consents required to be obtained by Seller with respect to the Servicing
Agreements for which the related Mortgage Servicing Rights are being sold on such Sale Date; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iv)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Duly executed signature pages of each of Purchaser and Seller, as the case may be, of an Assignment
and Assumption Agreement in the form attached hereto as <B>Exhibit B</B> (the &ldquo;<U>Assignment and Assumption Agreement</U>&rdquo;).</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena007_v1"></A>Section
2.03</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Transfer Dates.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">On each Servicing Transfer Date:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser shall assume responsibility for Servicing, and Seller shall cease all Servicing
activity related to the Mortgage Loans transferred on such Servicing Transfer Date; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall provide Purchaser with executed Powers of Attorney in the form attached hereto
as <B>Exhibit H</B> (the &ldquo;<U>Powers of Attorney</U>&rdquo;) to be used by Purchaser as necessary for Purchaser to service
the applicable Mortgage Loans and REOs subject to the related Servicing Agreements in accordance with Applicable Requirements.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena008_v1"></A>Section
2.04</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Transfer Instructions.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">In connection with each transfer of the
Mortgage Servicing Rights from Seller to Purchaser pursuant to this Agreement, Seller and Purchaser shall follow the Servicing
Transfer Instructions and the Servicing Agreements in all material respects. In any instance in which the Servicing Transfer Instructions
conflict with the terms of this Agreement, this Agreement shall control. A sample of the Servicing Transfer Instructions is attached
as <U>Exhibit E</U>. The Parties agree to cooperate in good faith to negotiate a final version of the Servicing Transfer Instructions
within ten (10) Business Days following the Effective Date.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena009_v1"></A>ARTICLE
III</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">CONSIDERATION</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena010_v1"></A>Section
3.01</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif; text-underline-style: none; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Purchase Price.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In full consideration for the sale of the Mortgage Servicing Rights to be sold on a Sale Date
pursuant to <U>Section 2.02</U> and subject to the terms and conditions of this Agreement, Purchaser shall pay to Seller the applicable
Purchase Price in accordance with this <U>Section 3.01</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">On each Sale Date other than a Sale Date related to Pipeline Mortgage Loans, Purchaser shall
pay to Seller a sum equal to 100% of the applicable Estimated Purchase Price for the related Mortgage Servicing Rights to be acquired
on such Sale Date, which payment shall be made immediately following the related Closing, by wire transfer of immediately available
federal funds, to an account designated by Seller. With respect to each Sale Date related to any Pipeline Mortgage Loans, Purchaser
shall pay to Seller a sum equal to 100% of the applicable Purchase Price for the related Mortgage Servicing Rights acquired on
the related Sale Date, which payment shall be made on the Business Day following the date that Seller receives payment from the
applicable Investor for such Mortgage Loans pursuant to the applicable Guide, by wire transfer of immediately available federal
funds, to an account designated by Seller. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0%; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif; color: black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No later than five (5) Business Days prior to each Sale Date other than a Sale Date related
to Pipeline Mortgage Loans, Seller shall complete and provide to Purchaser, (i) the preliminary Mortgage Loan Schedule for such
Sale Date and (ii) (A) its calculation of the Estimated Purchase Price for the Mortgage Servicing Rights to be purchased on such
Sale Date, and (B) its calculation of the Advance Reimbursement Amount in respect of such Mortgage Loans, which calculations shall
be based on information regarding the Mortgage Loans as of the previous Estimation Date trial balance that is included in such
preliminary Mortgage Loan Schedule. Purchaser and Seller shall cooperate in good faith to reconcile and confirm the calculation
of the Estimated Purchase Price and such Advance Reimbursement Amount for the Mortgage Servicing Rights being acquired on each
Sale Date, it being understood that if Purchaser and Seller are unable to agree on any such reconciliation or confirmation, Seller&rsquo;s
reasonable, good faith calculation of the Estimated Purchase Price and such Advance Reimbursement Amount will be utilized. All
such calculations shall take into account the adjustment contemplated by <U>Section 3.01(f)</U>.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No later than ten (10) Business Days after each Sale Date other than a Sale Date related to
Pipeline Mortgage Loans, Seller shall complete and provide to Purchaser, the (i) final Mortgage Loan Schedule for such Sale Date
and (ii) its calculation of the final Purchase Price based on information regarding the related Mortgage Loans as of the corresponding
Cutoff Date that is included in the final Mortgage Loan Schedule. Purchaser and Seller shall cooperate in good faith to reconcile
and confirm the calculation of the final Purchase Price for the Mortgage Servicing Rights being acquired on each Sale Date. Within
ten (10) Business Days after delivery to Purchaser of the final Mortgage Loan Schedule and the calculation of the final Purchase
Price for the related Sale Date, (A) Seller shall pay to Purchaser the amount, if any, by which the Estimated Purchase Price exceeds
the Purchase Price; or (B) Purchaser shall pay to Seller the amount, if any, by which the Purchase Price exceeds the Estimated
Purchase Price. All such calculations shall take into account the adjustment contemplated by <U>Section 3.01(f)</U>. On each Sale
Date related to Pipeline Mortgage Loans, Seller shall complete and provide to Purchaser, (i) the Mortgage Loan Schedule for such
Sale Date and (ii) its calculation of the Purchase Price based on information regarding the related Pipeline Mortgage Loans as
of the corresponding Cutoff Date that is included in the Mortgage Loan Schedule.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall be responsible for providing Purchaser with the preliminary and final Mortgage
Loans Schedules, each prepared in good faith, relating to each Sale Date in the timeframes described in this <U>Section 3.01</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Purchase Price which shall be payable in respect of a Sale Date shall be reduced by an
amount equal to (i) $33,333 for each calendar day that elapses from and including September 17, 2013 up to and including such Sale
Date, multiplied by (ii) a fraction equal to the aggregate unpaid principal balance of the Mortgage Loans being transferred on
such Sale Date (as measured on the corresponding Cutoff Date) over the aggregate unpaid principal balance of all of the Mortgage
Loans eligible to be sold under this Agreement assuming that all of the conditions set forth in <U>Article VIII</U> and <U>Article
IX</U> were satisfied. This adjustment shall not apply with respect to any Sale Date that is delayed for reasons arising out of
Purchaser&rsquo;s breach of this Agreement. The adjustment described in this <U>Section 3.01(f)</U> shall be reflected in the calculations
of both the Estimated Purchase Price and the Purchase Price. </FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(g)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The transfer of Pipeline Mortgage Loans shall be subject to the provisions of <U>Section 7.29</U>.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena011_v1"></A>Section
3.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Transfer Dates and Payments for Advances.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">On each Servicing Transfer Date, (x) Seller shall cease to be the servicer in respect of the
applicable Mortgage Servicing Rights and (y) the physical transfer of Servicing thereof to Purchaser shall occur; <U>provided</U>,
<U>however</U>, that in the case of both clauses (x) and (y), only to the extent that the Servicing Agreement Consents with respect
to the related Servicing Agreements were obtained prior thereto. </FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">On each Sale Date, Purchaser shall pay Seller, by wire transfer of immediately available federal
funds to an account designated by Seller, an amount equal to the related Advance Reimbursement Amount; <U>provided</U>, <U>however</U>,
that such amount shall be calculated as of the related Estimation Date and no later than sixty (60) days following such Sale Date
(or, if later, within thirty (30) days following the date on which Seller has provided Purchaser with the documentation and support
relating to the applicable Advances pursuant to Section 3.02(c)), Purchaser shall pay the amount by which the related Advance Reimbursement
Amount (calculated as the corresponding Cutoff Date) exceeds the Advance Reimbursement Amount (calculated as of the Estimation
Date), <U>provided</U>, <U>however</U>, that if the Advance Reimbursement Amount (calculated as of the Estimation Date) exceeds
the Advance Reimbursement Amount (calculated as of the corresponding Cutoff Date), then Seller shall pay Purchaser the amount of
such excess.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within thirty (30) days following each Sale Date, Seller shall provide Purchaser with customary
documentation and support, which may be in electronic form, for all Advances included in the Advance Reimbursement Amount. The
Parties acknowledge that such documentation and support may not be on a loan-level basis, such as vendor reports that are customarily
provided on an aggregate basis, provided, however, that that any such documentation must identify the related Mortgage Loans and
Servicing Agreement for which such Advances relate.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena012_v1"></A>Section
3.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Correction of Errors.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">If, prior to or within 180 days subsequent
to the payment (or non-payment, in the case of omitted Purchase Price or Advances) of any applicable amounts due under this <U>Article
III</U> to either Party, the outstanding principal balance of any applicable Mortgage Loan or REO or any applicable Advance is
found to be in error, or if for any reason the Purchase Price or such other amounts is found to be in error, the Parties shall
mutually agree to an appropriate adjustment (and an associated reconciliation statement or other such documentation with respect
to such adjustment), and a payment in an amount sufficient to correct and reconcile the Purchase Price or such other amounts, as
mutually agreed by the Parties, shall be made by Seller to Purchaser (if Seller received payments to which it was not entitled
hereunder) or by Purchaser to Seller (if Purchaser did not make payments that it would be required to make hereunder). Such amounts
shall be paid by the applicable Party within ten (10) Business Days from receipt of satisfactory written verification of amounts
due; <U>provided</U>, <U>however</U>, that if the Parties cannot agree on such amounts within such ten (10) Business Day period,
a disputing Party shall promptly deliver to the other Party a written notice specifying the nature of its dispute (in reasonable
detail) and the Parties shall promptly (and, in any event, within ten (10) Business Days thereafter) invoke the dispute resolution
proceeding set forth in <U>Section 12.10(i)</U> hereof.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena013_v1"></A>Section
3.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Payment of Servicing Fees and Seller Retained Ancillary Income.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">No later than the tenth (10<SUP>th</SUP>)
Business Day following the end of each calendar month (the &ldquo;<U>Subject Month</U>&rdquo;) commencing with the calendar month
immediately following the month in which a Sale Date occurs, (i) Seller shall remit to Purchaser all Servicing Fees, including
Accrued Servicing Fees (other than Seller Retained Ancillary Income), received by or on behalf of Seller during the Subject Month
in respect of the Mortgage Servicing Rights transferred on such Sale Date, and (ii) Purchaser shall remit to Seller all Seller
Retained Ancillary Income received by or on behalf of Purchaser during the Subject Month in respect of the Mortgage Servicing Rights
transferred on such Sale Date.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena014_v1"></A>ARTICLE
IV</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">REPRESENTATIONS AND WARRANTIES AS TO SELLER</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">As an inducement to Purchaser to enter
into this Agreement, Seller represents and warrants to Purchaser as of the Effective Date and each Sale Date as follows, in each
case subject to the exceptions set forth in the corresponding section of the schedules attached hereto (it being understood that
any exception referenced in one section of the schedules shall be deemed to be an exception referenced in any other section of
the schedules in which the applicability of the exception is reasonably apparent):</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena015_v1"></A>Section
4.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Due Organization and Good Standing.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller is a federal savings bank<B> </B>duly
organized, validly existing and in good standing under the laws of the United States. Seller is authorized to transact business
in each jurisdiction in which Seller transacts business, and in each jurisdiction where a Mortgaged Property is located, in accordance
with Applicable Requirements.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena016_v1"></A>Section
4.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Authority and Capacity.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller has all requisite power, authority
and capacity to own the Purchased Assets and, subject to approvals required pursuant to <U>Section 7.02</U> and such other consents
and approvals as are required hereunder, to enter into this Agreement and each other applicable Transaction Document and to perform
the obligations required of it hereunder and thereunder. The execution and delivery of this Agreement and each other applicable
Transaction Document, and the consummation of the Transactions, have been duly and validly authorized by all necessary action.
This Agreement has been, and each other applicable Transaction Document will be, duly executed and delivered by Seller and each
constitutes or will constitute, a valid and legally binding agreement of Seller enforceable in accordance with its terms, and no
offset, counterclaim or defense exists to the full performance by Seller of this Agreement or such other Transaction Document,
except as the same may be limited by bankruptcy, insolvency, reorganization and similar laws affecting the enforcement of creditors&rsquo;
rights generally, and by general equity principles.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena017_v1"></A>Section
4.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Title to the Purchased Assets.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Seller is, or as of the applicable Sale
Date, shall be, the sole and lawful owner of all right, title and interest in and to the Purchased Assets sold on such Sale Date
in accordance with Applicable Requirements, is responsible for the maintenance of the Related Escrow Accounts and Custodial Accounts,
and has, or as of the applicable Sale Date, shall have, the sole right and authority, subject to any required Servicing Agreement
Consents or otherwise, to transfer the Purchased Assets sold on such Sale Date, including the rights to reimbursement for related
Advances paid for by Purchaser as contemplated hereby. The transfer, assignment and delivery of the Purchased Assets, including
the rights to reimbursement for Advances paid for by Purchaser and of the Related Escrow Accounts and Custodial Accounts, as applicable,
shall vest in Purchaser all rights to the Purchased Assets in accordance with Applicable Requirements, free and clear of any and
all security interests, liens and encumbrances of any kind or nature other than those that arise as a result of acts or omissions
of Purchaser.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena018_v1"></A>Section
4.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Effective Agreements.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The execution, delivery and performance
of this Agreement and the other Transaction Documents by Seller, compliance with the terms hereof and thereof, and the consummation
of the Transactions will not violate, conflict with, result in a breach of, constitute a default under its charter or bylaws.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena019_v1"></A>Section
4.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Membership and Standing.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>MERS Membership</U>. Seller is an approved member in good standing of the MERS system.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Seller/Servicer Standing</U>. Seller is (i) an approved servicer, seller/servicer or issuer,
as applicable, of mortgage loans for HUD, Fannie Mae, Freddie Mac, GNMA, FHA and VA, (ii) properly licensed and qualified to do
business and in good standing in each jurisdiction in which such licensing and qualification is necessary to act as the servicer
under any of the Servicing Agreements and applicable law, and (iii) qualified to act as the servicer under each Servicing Agreement,
and no event has occurred which would make any Seller unable to comply with all such eligibility requirements or which would require
notification to Fannie Mae, Freddie Mac, GNMA, FHA or VA. Seller has not received any written notice from any Governmental Entity
that it intends to terminate or restrict Seller&rsquo;s status as an approved servicer in its programs for which Seller is registered,
approved or authorized.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena020_v1"></A>Section
4.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Consents, Approvals and Compliance.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Except for the Servicing Agreement Consents,
there is no requirement applicable to Seller to make any filing with, or to obtain any permit, authorization, consent or approval
of, any Governmental Entity as a condition to the lawful performance by Seller of its obligations hereunder.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena021_v1"></A>Section
4.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Settlement Agreements.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Neither Seller nor any prior servicer
has entered into a settlement agreement with a Governmental Entity or is subject to any other Order that would be binding on Purchaser
with respect to the Mortgage Servicing Rights (other than directives that would otherwise be applicable to Purchaser or Orders
to which Purchaser is already subject).</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena022_v1"></A>Section
4.08</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Anti-Money Laundering.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Seller has complied in all material respects
with all applicable anti-money laundering laws (the &ldquo;<U>Anti-Money Laundering Laws</U>&rdquo;), and has established an anti-money
laundering compliance program as required by the Anti-Money Laundering Laws, in each case except to the extent that any failure
to do so would not have a Seller Material Adverse Effect.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena023_v1"></A>ARTICLE
V</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">REPRESENTATIONS AND WARRANTIES AS TO PURCHASED ASSETS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller represents and warrants to Purchaser
as of the Effective Date and, with respect to the applicable Purchased Assets, the Sale Date of such Purchased Assets, as follows,
irrespective of either the truth or accuracy or such representations and warranties or Seller&rsquo;s or Purchaser&rsquo;s knowledge
of the truth or accuracy of such representations and warranties, and in each case subject to the exceptions set forth in the corresponding
section of the schedules attached hereto (it being understood that any exception referenced in one section of the schedules shall
be deemed to be an exception in any other section of the schedules in which the applicability of the exception is reasonably apparent):</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena024_v1"></A>Section
5.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Compliance</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(A) Each Mortgage Loan conformed and conforms to the Applicable Requirements in all material
respects, and each Mortgage Loan was eligible for sale to, insurance by, or pooling to back securities issued or guaranteed by,
or participation certificates issued by, the applicable Investor or Insurer upon such sale, issuance of insurance or pooling, except
in each case where such failure to conform or ineligibility would not be the contractual or legal responsibility of Purchaser as
the transferee under the applicable Servicing Agreement or by virtue of the applicable Investor Consent and Waiver Letter, (B)
each Mortgage Loan has been originated, underwritten and serviced in compliance with all Applicable Requirements in all material
respects, and (C) Seller is not otherwise in default in any material respect with respect to Seller&rsquo;s servicing obligations
under the Applicable Requirements, except in the case of each of clauses (A), (B) and (C), for such lack of compliance or defaults
that would not be the contractual or legal responsibility of Purchaser as the transferee under the applicable Servicing Agreement
or by virtue of the applicable Investor Consent and Waiver Letter.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as would not be the contractual or legal responsibility of Purchaser as transferee
under the applicable Servicing Agreement or by virtue of the applicable Investor Consent and Waiver Letter: (A) each Mortgage Loan
that is identified as having FHA insurance on the preliminary Mortgage Loan Schedule or that is required to have FHA insurance
has such FHA insurance under the standard provisions of the FHA program, (B) each Mortgage Loan that is identified as a VA guaranteed
Mortgage Loan on the preliminary Mortgage Loan Schedule or that is required to be so guaranteed is so guaranteed by the VA under
the standard provisions of the VA program, (C) each Mortgage Loan which is required pursuant to Applicable Requirements or which
is represented by Seller to have mortgage insurance or a guaranty certificate has such mortgage insurance or a guaranty certificate,
and has an accurate holder identification for purposes of filing claims, (D) all provisions of such insurance policies or guarantees
have been and are being complied with in all material respects, all premiums due thereunder have been paid, and such policies and/or
guarantee are in full force and effect, and (E) all premiums with respect to such insurance policies or guarantees have been paid
with respect to all premiums which are due or will become due on or before the 30th day following the applicable Servicing Transfer
Date and Seller has not received any notice of delinquent premium payments with respect to the applicable Mortgage Loans.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Schedule 5.01(a)(iii)</U> sets forth all judicial and administrative judgments, orders,
remediation plans, stipulations, awards, writs and injunctions applicable to Seller as the servicer of any Mortgage Loan or owner
of any Mortgage Servicing Right.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Mortgage Servicing Rights</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller owns all right, title and interest in and to the Mortgage Servicing Rights free and
clear of all liens, and has the right to act as servicer with respect to the Mortgage Loans pursuant to and subject to the terms
and conditions of the applicable Servicing Agreements.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller has not engaged any subservicers, subcontractors or other agents to perform any of
its duties under any of the Servicing Agreements, other than engagements that are permitted by, and are in compliance in all material
respects with the requirements of, the applicable Servicing Agreements, and all fees and expenses due and payable to any such subservicer,
subcontractor or agent as of the applicable Sale Date in connection therewith have been paid, or will be paid before overdue, by
Seller. None of the Mortgage Loans currently are subject to a subservicing agreement.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Agreements</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Schedule 5.01(c)(i)</U> contains a list of all Non-Agency Servicing Agreements in effect
and Seller has heretofore made available to Purchaser true and complete copies or electronic versions of all Non-Agency Servicing
Agreements listed on <U>Schedule 5.01(c)(i)</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Servicing Agreement is a valid and binding obligation of Seller, is in full force and
effect, and is enforceable by Seller in accordance with its terms, subject to applicable bankruptcy, insolvency and similar laws
affecting creditors&rsquo; rights generally, and subject, as to enforceability, to general principles of equity, whether applied
in a court of law or a court of equity.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There has been no servicer default, servicer termination event, portfolio trigger or other
default or breach by Seller as servicer under any Servicing Agreement with respect to which Seller has received written notice
and, to the Knowledge of Seller, no event has occurred, which with the passage of time or the giving of notice or both would (1)
constitute a material default or breach by Seller as servicer under any Servicing Agreement which would give any party the right
to remove Seller as servicer thereunder or (2) result in the rescission of any insurance policy or reduce insurance benefits in
respect of any Mortgage Loan. None of the other parties to any of the Servicing Agreements have provided written notice to Seller
that such party will terminate, modify or amend any of Seller&rsquo;s rights, benefits or obligations as servicer under any Servicing
Agreement in a way that is materially adverse to Seller or Purchaser.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Mortgage Pools</U>. All pools of Agency Mortgage Loans have been initially certified, and
all such pools shall be, when transferred to Purchaser, eligible for final certification and/or recertification, as applicable,
to the extent required by Applicable Requirements, by Purchaser or the Custodian in accordance with Applicable Requirements and
the Collateral Files for all Agency Mortgage Loans will include all documents necessary for the Purchaser or the Custodian to provide
the final certification or recertification for the related pools to the extent required under Applicable Requirements. For the
avoidance of doubt, each Mortgage Loan included in a GNMA Mortgage Pool meets all eligibility requirements of GNMA for inclusion
in such GNMA Mortgage Pool, and each such GNMA Mortgage Pool is properly balanced and fully funded.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Taxes and Charges</U>. To Seller&rsquo;s Knowledge, except those items which, if unpaid,
are not obligations of Seller under Applicable Requirements, there are no taxes, ground rents, water charges, sewer rents, assessments
by Governmental Entities (including assessments payable in future installments), or leasehold payments affecting the related Mortgaged
Property with respect to any Mortgage Loan or REO with respect to which Seller maintains (or is required under the Applicable Requirements
to maintain) an escrow account in respect of such taxes and other charges, in each case with respect to which a penalty is payable
as a result of past due taxes. With respect to Mortgage Loans for which Seller does not maintain an escrow account in respect of
such taxes and other charges described above, Seller has taken such action consistent with Applicable Requirements to validate
the payment of taxes and such other charges, and based on tax vendor searches or other information Seller has received, the Seller
has not received any written notice nor has any Knowledge (after making a reasonable inquiry of certain senior members of its servicing
department) of any such Mortgage Loans for which a penalty is payable as a result of past due taxes.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Non-Contravention</U>. The execution, delivery and performance of this Agreement and the
other Transaction Documents by Seller, compliance with the terms hereof and thereof, and the consummation of the transfer of the
Mortgage Servicing Rights and related Purchased Assets will not, upon obtaining the Servicing Agreement Consents, violate, conflict
with, result in a breach of, constitute a default under, be prohibited by or require any additional approval under any instrument
or agreement to which it is a party or by which it is bound or which affects such Mortgage Servicing Rights and related Purchased
Assets.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena025_v1"></A>Section
5.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Recourse Status.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">None of the Mortgage Servicing Rights
constitute Recourse Servicing.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena026_v1"></A>Section
5.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Advances.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Advance that will be paid for by Purchaser in connection with the payment of the Advance
Reimbursement Amount is a valid and subsisting amount owing to Seller and was made by or on behalf of Seller (or a predecessor
servicer) pursuant to and in compliance with the Servicing Agreement related to the Mortgage Servicing Rights. Each such Advance
is eligible for reimbursement in accordance with Applicable Requirements, is carried on the books of Seller at values determined
in accordance with generally accepted accounting principles, is not subject to any set-off or claim of the account debtor arising
from acts or omissions of Seller, that could be asserted against Seller or Purchaser, and Seller has not received any notice from
any Investor, or any Insurer or other Person in which such Investor, Insurer or Person disputes or denies a claim by Seller for
reimbursement in connection with such Advance.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No Advance that will be paid for by Purchaser in connection with the payment of the Advance
Reimbursement Amount has been sold, transferred, assigned or pledged by Seller to any Person other than Purchaser.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena027_v1"></A>Section
5.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Accuracy of Information.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The information (i) in the data tapes
provided by Seller, or its agents, to Purchaser pursuant to <U>Section 7.07</U> and (ii) in the final Mortgage Loan Schedules pertaining
to the Mortgage Loans, Advances and the Mortgage Servicing Rights, is true and correct in all material respects as of the dates
indicated therein except, in each case, for any inaccuracies which (A) do not adversely affect the Purchaser&rsquo;s ability to
service the related Mortgage Loans in accordance with Applicable Requirements in any material respect, (B) do not result in an
inaccurate calculation of the Purchase Price as a result of an error in the specified unpaid principal balance or (C) do not misstate
the Net Servicing Fee.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena028_v1"></A>Section
5.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Delivery of Information.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Collateral File and Credit and Servicing
File for each Mortgage Loan collectively contain all documents and instruments required by the Applicable Requirements for servicing
such Mortgage Loan in all material respects in accordance with Applicable Requirements.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena029_v1"></A>Section
5.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Repurchase.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">There is no pending claim or demand against
Seller for repurchase of any Mortgage Loan, or rescission of any MI or denial of an MI claim.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena030_v1"></A>Section
5.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Fee Not Sold.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">No portion of the Servicing Fee payable
under a Servicing Agreement has been sold, transferred, assigned or pledged by Seller to any third party other than Purchaser.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena031_v1"></A>Section
5.08</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Damage, Condemnation, and Related Matters.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">There exists no physical damage to any
Mortgaged Property or REO from fire, flood, windstorm, earthquake, tornado, hurricane or any other similar casualty that would
materially and adversely affect the value of any Purchased Assets or any Mortgaged Property or REO or the eligibility of any Mortgage
Loan or REO for insurance benefits by any Insurer and which damage is not adequately insured, except where the existence of such
physical damage would not be the contractual or legal responsibility of Purchaser as transferee under the applicable Servicing
Agreement or by virtue of the applicable Investor Consent and Waiver Letter.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena032_v1"></A>Section
5.09</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Related Escrow and Custodial Accounts.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">All Related Escrow Accounts and Custodial
Accounts are being and have been maintained in accordance with the Applicable Requirements in all material respects. Except as
to any payments (whether payments for principal and interest, escrow accounts or otherwise) which are past due under Mortgage Notes,
all balances required by the Mortgages or other Mortgage Loan Documents and paid to Seller for the account of the Mortgagors are
on deposit in the appropriate Related Escrow Account or Custodial Account.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena033_v1"></A>Section
5.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Litigation and Orders.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There are no Actions by or against Seller or any Affiliate thereof relating to its business
of Servicing, affecting any of the Purchased Assets or which would affect the legality, validity or enforceability of this Agreement
or any other Transaction Document or the consummation of the Transactions or the ability of Seller to perform its obligations under
this Agreement or any other Transaction Document, including those pending before any Governmental Entity (or, to the Knowledge
of Seller, threatened to be brought by or before any Governmental Entity or any third party), except for Actions that would not
reasonably be expected to have, individually or in the aggregate, a Seller Material Adverse Effect.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There are no Orders relating to or involving any of the Purchased Assets that have not been
satisfied or resolved except for Orders that would not reasonably be expected to have, individually or in the aggregate, a Seller
Material Adverse Effect. Seller, with respect to the Servicing, is not in breach or default (with or without notice or lapse of
time, or both) in any material respect under any Order related to or involving Servicing.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Schedule 5.10(c)</U> lists all Mortgage Loans In Bankruptcy, all Mortgage Loans In Foreclosure
and all Mortgage Loans or REOs In Litigation. Seller shall update <U>Schedule 5.10(c)</U> to reflect such changes arising between
Effective Date and the applicable Servicing Transfer Date with respect to any Mortgage Loan or REO, as applicable.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena034_v1"></A>Section
5.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Home Equity Loans.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Mortgage Loan Schedule shall identify
which Mortgage Loans are HELOC Mortgage Loans, and indicates whether each such HELOC Mortgage Loan has an active or terminated
line of credit, and such information is true and correct in all material respects.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena035_v1"></A>Section
5.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Loan Modifications.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Any loan modifications, including trial
modifications, entered into prior to the applicable Servicing Transfer Date complied with Applicable Requirements in all material
respects.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena036_v1"></A>Section
5.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>SCRA.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Seller has evaluated all Mortgage Loans
in foreclosure proceedings against the Defense Manpower Data Center (&ldquo;<U>DMDC</U>&rdquo;) database to determine the Mortgagor
is entitled the benefits of the Servicemember&rsquo;s Civil Relief Act, as amended (&ldquo;<U>SCRA</U>&rdquo;), and Seller has
complied with all requirements of the SCRA in all material respects.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena037_v1"></A>Section
5.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Refinancing Programs.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">There are no agreements, arrangements
or understandings between any of Seller and any third party lender or solicitation agency to refinance any of the Mortgage Loans.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena038_v1"></A>Section
5.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Optional Products.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">None of the Mortgage Loans contain any
optional insurance products offered by Seller except those that will be terminated by the applicable Servicing Transfer Date and
as to which Purchaser will have no liability, cost or responsibility relating to obligations under such optional insurance products
or in connection with their termination. Seller has no Knowledge (after making a reasonable inquiry of certain senior members of
its servicing department) of any other optional insurance products with respect to any Mortgage Loan for which Seller as servicer
has any obligations with respect to such optional insurance products.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena039_v1"></A>Section
5.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Financial Ability.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller will have (when required under
this Agreement) immediate access to all funds necessary to make any payments required hereunder to be made by Seller and will have
(when required under this Agreement) the financial capacity to perform all of its other obligations under this Agreement.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena040_v1"></A>Section
5.17</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Regulatory Impediment.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">To Knowledge of Seller, there is no fact
or circumstance relating to Seller&rsquo;s business, operations, financial condition or legal status that might reasonably be expected
to adversely affect in any material respect the likelihood that any of the conditions set forth in <U>Article VIII</U> and <U>Article
IX</U> will be satisfied within the time period contemplated by this Agreement.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena041_v1"></A>Section
5.18</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Other Representations; Purpose of Representations.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except for the representations and warranties made by Seller in <U>Article IV</U> and <U>Article
V</U>, none of Seller, any of its Related Parties or any other Person makes any representations or warranties on behalf of Seller
of any kind whatsoever, oral or written, express or implied, whether at law or in equity, and Seller hereby disclaims any other
representations or warranties, with respect to Seller, the Purchased Assets or the negotiation, execution, delivery or performance
of this Agreement by Seller. None of Seller, any of its Related Parties, or any other Person, will have or be subject to any liability
or indemnification obligation to the Purchaser or any of its Related Parties resulting from the delivery or disclosure to Purchaser
or its Related Parties or their respective employees, directors, officers, representatives and other agents of any documentation,
forecasts or other information with respect to any one or more of the foregoing. For the avoidance of doubt, neither Seller nor
any of its Related Parties nor any of their representatives makes any representations or warranties to Purchaser, Purchaser&rsquo;s
Related Parties or any other Person regarding the probable success, future performance or profitability of the Purchased Assets.
</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser acknowledges that Seller is providing the representations and warranties in <U>Article
V</U> solely for the purposes of establishing a basis on which claims for indemnification may be brought under this Agreement for
certain Losses as specified in <U>Article XI</U>, and for purposes of defining certain conditions to Purchaser&rsquo;s obligation
to consummate the Transactions as contemplated in <U>Article VIII</U>, irrespective of whether Seller knows or should know of such
breach and without disclosure of any such knowledge. </FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser acknowledges that Seller is not making any representations, warranties, covenants
or commitments of any kind whatsoever, oral or written, express or implied, whether at law or in equity, other than those set forth
in this Agreement and the Transaction Documents, and expressly disclaims reliance on any statements or information made or provided
by Seller other than the provisions set forth in this Agreement and the Transaction Documents. For the avoidance of doubt, nothing
in this <U>Section 5.18</U> shall be deemed to constitute a waiver by Purchaser of any of its rights provided for under this Agreement.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena042_v1"></A>ARTICLE
VI</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">REPRESENTATIONS AND WARRANTIES OF PURCHASER</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">As an inducement to Seller to enter into
this Agreement, Purchaser represents and warrants as of the Effective Date and the Sale Date as follows, in each case subject to
the exceptions set forth in the corresponding section of the schedules attached hereto (it being understood that any exception
referenced in one section of the schedules shall be deemed to be an exception in any other section of the schedules in which the
applicability of the exception is reasonably apparent):</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena043_v1"></A>Section
6.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Due Organization and Good Standing.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Purchaser is a limited liability company
duly organized, validly existing and in good standing under the laws of the State of Delaware. Purchaser is qualified to transact
business in each jurisdiction in which such qualification is deemed necessary to service the Mortgage Loans and has all related
licenses, registrations, permits, and approvals required in accordance with Applicable Requirements.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena044_v1"></A>Section
6.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Authority and Capacity.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Purchaser has all requisite limited liability
company power, authority and capacity, subject to approvals required pursuant to <U>Section 7.02</U> and such other consents and
approvals as are required hereunder, to enter into this Agreement and each other applicable Transaction Document and to perform
the obligations required of it hereunder and thereunder. The execution and delivery of this Agreement and each other applicable
Transaction Document, and the consummation of the Transactions, have been duly and validly authorized by all necessary action.
This Agreement has been, and each other applicable Transaction Document will be, duly executed and delivered by Purchaser and each
constitutes or will constitute, a valid and legally binding agreement of Purchaser enforceable in accordance with its terms, and
no offset, counterclaim or defense exists to the full performance by Purchaser of this Agreement or such other Transaction Document,
except as the same may be limited by bankruptcy, insolvency, reorganization and similar laws affecting the enforcement of creditors&rsquo;
rights generally and by general equity principles.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena045_v1"></A>Section
6.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Effective Agreements.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The execution, delivery and performance
of this Agreement by Purchaser, its compliance with the terms hereof and the consummation of the Transactions will not violate,
conflict with, result in a breach of, constitute a default under, be prohibited by or require any additional approval under its
certificate of formation, limited liability company agreement, or other organizational documents and agreements, or, upon obtaining
Investors&rsquo; approvals, any instrument or agreement to which it is a party or by which it is bound or which affects the Purchased
Assets, or any Applicable Requirements applicable to it or to the Purchased Assets.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena046_v1"></A>Section
6.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Sophisticated Purchaser.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Purchaser is a sophisticated investor
and its bid and decision to purchase the Mortgage Servicing Rights is based upon Purchaser&rsquo;s own independent experience,
knowledge, due diligence and evaluation of the Transactions. The Purchaser has relied solely on such experience, knowledge, due
diligence and evaluation and has not relied on any oral or written information provided by Seller or Seller&rsquo;s agents other
than the representations and warranties made by Seller herein.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena047_v1"></A>Section
6.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Purchaser/Servicer Standing.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Purchaser is (i) an approved servicer,
seller/servicer or issuer, as applicable, of mortgage loans for HUD, Fannie Mae, Freddie Mac, GNMA, FHA and VA and is in good standing
with the requisite financial criteria and adequate resources to complete the Transactions on the conditions stated herein, (ii)
properly licensed and qualified to do business and in good standing in each jurisdiction in which such licensing and qualification
is necessary to act as the servicer under all of the Servicing Agreements and applicable law, (iii) an approved servicer for any
nationally recognized Insurers providing MI on the Mortgage Loans, (iv) a member of and in good standing with respect to all refinancing
and other homeowner protection programs sponsored by Government Entities that are required to service the Mortgage Loans and (v)
qualified to act as, and satisfies all the criteria for acting as, the servicer under each Servicing Agreement, and no event has
occurred which would make Purchaser unable to comply with all such eligibility requirements or which would require notification
to HUD, Fannie Mae, Freddie Mac, GNMA, FHA or VA. Purchaser has not received any written notice from any Governmental Entity that
it intends to terminate or restrict Purchaser&rsquo;s status as an approved servicer in its programs for which Purchaser is registered,
approved or authorized.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena048_v1"></A>Section
6.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>MERS Membership.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Purchaser is an approved member in good
standing of the MERS system.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena049_v1"></A>Section
6.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Consents, Approvals and Compliance.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Except for the Servicing Agreement Consents,
there is no requirement applicable to Purchaser to make any filing with, or to obtain any permit, authorization, consent or approval
of, any Person as a condition to the lawful performance by Purchaser of its obligations hereunder.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena050_v1"></A>Section
6.08</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Financial Ability.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Purchaser will have (when required under
this Agreement) immediate access to all funds necessary to pay the Purchase Price and related fees and expenses and Purchaser will
have (when required under this Agreement) the financial capacity to perform all of its other obligations under this Agreement.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena051_v1"></A>Section
6.09</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Regulatory Impediment.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">To the Knowledge of Purchaser, there
is no fact or circumstance relating to Purchaser&rsquo;s business, operations, financial condition or legal status that might reasonably
be expected to adversely affect in any material respect the likelihood that (i) any of the conditions set forth in <U>Article VIII</U>
and <U>Article IX</U> (other than conditions relating to Agency approvals of the transactions contemplated by this Agreement) will
be satisfied within the time period contemplated by this Agreement and (ii) any of the conditions specified in writing by any of
the Agencies relating to their approval of the transactions contemplated by this Agreement will be satisfied within the time period
contemplated by this Agreement.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena052_v1"></A>Section
6.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicer Participation Agreement.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Purchaser is a party in good standing
to a Servicer Participation Agreement with Fannie Mae, acting on behalf of the United States Treasury, for the implementation of
HAMP, and such Servicer Participation Agreement is not subject to any termination based on a breach or default by Purchaser.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena053_v1"></A>Section
6.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Other Representations.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except for the representations and warranties made by Purchaser in <U>Article VI</U>, none
of Purchaser, any of its Related Parties or any other Person makes any representations or warranties on behalf of Purchaser of
any kind whatsoever, oral or written, express or implied, whether at law or in equity, and Purchaser hereby disclaims any other
representations or warranties, with respect to Purchaser or the negotiation, execution, delivery or performance of this Agreement
by Purchaser. None of Purchaser, any of its Related Parties, or any other Person, will have or be subject to any liability or indemnification
obligation to Seller or any of its Related Parties resulting from the delivery or disclosure to Seller or its Related Parties or
their respective employees, directors, officers, representatives and other agents of any documentation, forecasts or other information
with respect to any one or more of the foregoing.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller acknowledges that Purchaser is not making any representations, warranties, covenants
or commitments of any kind whatsoever, oral or written, express or implied, whether at law or in equity, other than those set forth
in this Agreement and the Transaction Documents, and expressly disclaims reliance on any statements or information made or provided
by Purchaser other than the provisions set forth in this Agreement and the Transaction Documents. For the avoidance of doubt, nothing
in this <U>Section 6.11</U> shall be deemed to constitute a waiver by Seller of any of its rights provided for under this Agreement.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena054_v1"></A>ARTICLE
VII</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">COVENANTS</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena055_v1"></A>Section
7.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Assignments.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">With respect to those Mortgage Loans registered with MERS as of the applicable Sale Date,
Seller shall, within ten (10) Business Days of the such Sale Date (or such earlier date as required under Applicable Requirements),
notify MERS, in accordance with MERS&rsquo; operating procedures, of the sale of the Mortgage Servicing Rights, and shall be responsible
for the fees of MERS related to reflecting Purchaser as the owner of the Mortgage Servicing Rights. Seller shall provide Purchaser
with the MERS mortgage loan identification number for each MERS-registered Mortgage Loan pursuant to <U>Section 7.07</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within ninety (90) days (or such lesser period of time as may be provided under the applicable
legal requirements of the relevant local jurisdiction or under Applicable Requirements) after each Servicing Transfer Date, Seller,
at its expense (it being understood that Seller shall bear the expense of any applicable recordation fees, including reimbursing
Purchaser for such fees in the event that Purchaser or its agents pay such fees themselves), shall prepare and send for recordation
Assignments of Mortgage for any related Mortgage Loan that is not assigned of record to and registered with MERS as of such Servicing
Transfer Date, in compliance with the applicable Servicing Agreements; <U>provided</U>, that, prior to such Servicing Transfer
Date, Seller and Purchaser shall mutually agree to a list of such related Mortgage Loans (and Seller shall provide Purchaser with
any documentation reasonably requested by Purchaser in connection therewith, it being understood that Purchaser may elect to direct
Seller not to proceed with any such recordation, in which case Seller will not be responsible for doing so); <U>provided</U>, <U>further</U>,
that, in the case of any such related Mortgage Loans subject to foreclosure proceedings, such Assignments of Mortgage shall not
be recorded, but shall be sent by Seller to either Purchaser or the applicable foreclosure attorney (at Purchaser&rsquo;s direction),
together with applicable recordation fees. Seller shall indicate to the applicable recording office that recorded Assignments of
Mortgage should be returned to Purchaser, and Purchaser shall have responsibility for tracking the recording and return of the
Assignments of Mortgage. Seller shall use commercially reasonable efforts to provide that all necessary documentation pursuant
to Applicable Requirements related to demonstrating the chain of title for all loans is provided for Purchaser&rsquo;s use, and
if any such documentation is inadequate shall use its commercially reasonable efforts to timely create and provide such documentation
for Purchaser, and take such steps as necessary to, properly record, assign or endorse the Mortgage Loans and the Mortgage Servicing
Rights. In the event that any such Assignment of Mortgage prepared by Seller pursuant to this <U>Section 7.01(b)</U> is not effective,
Seller shall promptly reimburse Purchaser for its reasonable out-of-pocket costs (which costs include, for the avoidance of doubt,
reasonable fees of third party vendors which may be outside counsel) to rectify such Assignment of Mortgage and re-send it for
recordation.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Prior to the applicable Servicing Transfer Date, Seller shall provide Purchaser with a list
of the names of each predecessor or Affiliate (or predecessor of each such Affiliate) of Seller (in each case, including any former
names thereof) that may be relevant to Purchaser&rsquo;s verification of the chain of title of any Mortgage Loan.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena056_v1"></A>Section
7.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Agreement Consents and Notices.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">From the date hereof until each Sale
Date, Seller shall use its commercially reasonable efforts to obtain the applicable Servicing Agreement Consents on or prior to
such Sale Date (including by using such efforts to mail the required consent requests to the applicable third parties as soon as
reasonably practicable following the Effective Date), and Purchaser shall use its commercially reasonable efforts to cooperate
with Seller to obtain such Servicing Agreement Consents. If any Servicing Agreement Consent is not obtained on or prior to the
applicable Sale Date with respect to any Servicing Agreement, Seller shall continue to use its commercially reasonable efforts
to obtain such Servicing Agreement Consent until the Termination Date, and Purchaser shall continue to use its commercially reasonable
efforts to cooperate with Seller to obtain such Servicing Agreement Consent during such period. Prior to each Sale Date, Purchaser
and Seller shall (i) execute (or cause to be executed) and deliver the documents required by the applicable Investors in connection
with the transfer of the related Mortgage Servicing Rights and, as applicable, the Servicing Agreements, hereunder, in form and
substance reasonably satisfactory to both Parties, and (ii) cooperate with each other to transfer (to the extent permitted by the
applicable Investor) from Seller to Purchaser the benefit of any waivers granted by Investors directly related to Servicing the
Mortgage Loans (which, for the avoidance of doubt, includes waivers related to Collateral Files), including with respect to Mortgage
Loan Documents required to be held in the Collateral File to the extent held by the Custodian. In addition, from the date hereof
until the applicable Sale Date, Seller shall use its commercially reasonable efforts to provide all notices to third parties required
under the Servicing Agreements in connection with the Transactions. From the date hereof until the Termination Date, Seller shall
provide to Purchaser a report and reasonable evidence on a periodic basis (no less frequently than semi-monthly) of its receipt
of the Servicing Agreement Consents.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena057_v1"></A>Section
7.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Transfer Notices.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No less than thirty (30) days prior to any Servicing Transfer Date, Seller shall submit to
Purchaser its proposed form of joint &ldquo;Welcome Letter&rdquo; and &ldquo;Goodbye Letter&rdquo; for review and comment. No later
than five (5) Business Days after Purchaser&rsquo;s receipt of the proposed joint &ldquo;Welcome Letter&rdquo; and &ldquo;Goodbye
Letter,&rdquo; Purchaser shall provide any comments to Seller, and Seller shall consider such comments in good faith. No later
than (15) days before each Servicing Transfer Date, Seller shall deliver to each related Mortgagor such joint &ldquo;Welcome Letter&rdquo;
and &ldquo;Goodbye Letter&rdquo; in accordance with the Applicable Requirements. The Seller and Purchaser shall share the costs
of such mailing equally. Purchaser shall not contact any Mortgagors prior to such Servicing Transfer Date unless agreed to in writing
by Seller. </FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within thirty (30) Business Days after each Servicing Transfer Date (or such earlier date
as required under Applicable Requirements), (i) Seller shall, in accordance with applicable Insurer requirements, provide written
notice of the transfer to any Insurer requiring such notice; <U>provided</U>, <U>however</U>, that Seller may give aggregate notice
whenever possible, and (ii) Seller shall notify related tax-bill services of the transfer. The form of all notices by Seller pursuant
to this <U>Section 7.03(b)</U> shall be subject to the review and reasonable approval of Purchaser upon Purchaser&rsquo;s request.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If required by an Investor, Purchaser may make one (1) post-Servicing Transfer Date ACH or
other alternative form of withdrawal with respect to each Mortgagor under a Mortgage Loan owned by such Investor specified by Seller
by a mutually agreed date, based on the ACH information provided by Seller. Purchaser shall obtain a new authorization from each
such Mortgagor in accordance with Applicable Requirements prior to making any ACH or other alternative forms of withdrawals other
than such mutually agreed one (1) post-Servicing Transfer Date ACH or other alternative form of withdrawal. Notwithstanding anything
to the contrary in any Transaction Documents, Purchaser acknowledges and agrees that Seller shall not be responsible for Purchaser&rsquo;s
compliance with Applicable Requirements in using such information for any post-Servicing Transfer Date ACH or other alternative
form of withdrawal, or liable to Purchaser for any Losses resulting therefrom, <U>provided</U> that the ACH information provided
by Seller is accurate.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In connection with any Mortgage Loans subject to bankruptcy proceedings, Purchaser shall file
transfers of claims as required by Applicable Requirements, including Rule 3001(e) of the Federal Rules of Bankruptcy Procedure;
<U>provided</U>, that Seller shall promptly deliver to Purchaser (upon Purchaser&rsquo;s request) any information and documentation
that is reasonably necessary for Purchaser to comply with this <U>Section 7.03(d)</U>; <U>provided</U> <U>further</U>, that, in
the event Seller fails to deliver applicable proof of claim-related information (which information shall include accurate post-petition
due date and proof of claim data) within forty-five (45) days following each applicable Servicing Transfer Date to Purchaser (whether
or not requested thereby), Seller shall promptly reimburse Purchaser for any expense, not to exceed $50.00, per Mortgage Loan subject
to bankruptcy proceedings incurred by Purchaser in complying with this <U>Section 7.03(d)</U> as a result of not receiving such
proof of claim-related information. The form of all notices by Purchaser pursuant to this <U>Section 7.03(d)</U> shall be subject
to the review and reasonable approval of Seller upon Seller&rsquo;s request.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena058_v1"></A>Section
7.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Real Estate Taxing Authorities.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall be responsible for any tax penalties incurred due to incorrect or missing tax
records processed or provided by Seller or Seller&rsquo;s tax service agent to Purchaser.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If a Mortgage Loan is escrowed, Seller shall pay or cause to be paid all tax bills (including
any applicable penalties and interest) if a failure to pay such tax on or before 30 days after the relevant Servicing Transfer
Date would result in the assessment of a penalty for being past due and such payment is required of the servicer under the Applicable
Requirements, but only if the tax bill was issued by the taxing authority at least thirty (30) calendar days prior to such Servicing
Transfer Date. Purchaser shall pay or cause to be paid all other tax bills when due to the extent such payment is required of the
servicer under the Applicable Requirements. Seller will promptly forward any tax bills issued by the taxing authority other than
those to be paid by Seller in accordance with the first sentence of this sub-paragraph. To the extent that any payments of taxes
made by Seller pursuant to the first sentence of this sub-paragraph are not included in the Advance Reimbursement Amount, Purchaser
shall promptly reimburse Seller for such payments upon Seller&rsquo;s delivery to Purchaser of documentation of such payments sufficient
to permit Purchaser to recover such payments from any applicable trust in accordance with any Applicable Requirements.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser shall not be responsible for any tax penalties on escrowed Mortgage Loans (including
any loss of discount for which a Mortgagor or any third party for the benefit of the Mortgagor has a legal claim) on Mortgage Loans
for which it is the responsibility of Seller to make the tax payment pursuant to sub-paragraph (b). Purchaser shall be responsible
for any other tax penalties to the extent such payment is required of the servicer under the Applicable Requirements.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For all escrowed Mortgage Loans, Seller shall provide to Purchaser within five (5) Business
Days after each applicable Servicing Transfer Date a current list of such Mortgage Loans that have taxes or assessments that were
due prior to or within sixty (60) calendar days after such Servicing Transfer Date and not paid, and Purchaser shall be responsible
for payment thereof when due, except as otherwise provided in this <U>Section 7.04</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If Seller does not provide to Purchaser a transferable life of loan tax service contract for
a Mortgage Loan, Seller shall provide all information reasonably required by Purchaser or Purchaser&rsquo;s tax monitoring vendor
with respect to such real estate taxes.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena059_v1"></A>Section
7.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Hazard, Mortgage and Flood.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For all escrowed Mortgage Loans and REOs, Seller shall pay or cause to be paid, prior to each
applicable Servicing Transfer Date, all insurance bills with policy due dates prior to Servicing Transfer Date, if such insurance
bills have been issued by insurance companies at least thirty (30) calendar days prior to such Servicing Transfer Date. Purchaser
shall pay or cause to be paid all other insurance bills. Seller will promptly forward insurance bills issued by the insurance companies
less than thirty (30) calendar days prior to such Servicing Transfer Date, to be paid by Purchaser.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For all escrowed Mortgage Loans, Seller shall provide to Purchaser within two (2) Business
Days after each applicable Servicing Transfer Date a current list of Mortgage Loans that have hazard and MI insurance premiums
and/or assessments that are due prior to or within sixty (60) calendar days after such Servicing Transfer Date and not paid, and
Purchaser shall be responsible for payment thereof when due, except as otherwise provided in this <U>Section 7.05</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For all escrowed Mortgage Loans and REOs, Seller shall provide to Purchaser within five (5)Business
Days after each applicable Servicing Transfer Date a current list of Mortgage Loans that have flood insurance premiums and/or assessments
that were due prior to or within sixty (60) calendar days after such Servicing Transfer Date and not paid, and Purchaser shall
be responsible for payment thereof when due, except as otherwise provided in this <U>Section 7.05</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall provide all information reasonably required by Purchaser or Purchaser&rsquo;s
flood service monitoring vendor with respect to flood insurance coverage with respect to the Mortgage Loans.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena060_v1"></A>Section
7.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Delivery of Mortgage Loan Documentation and Information.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall provide Purchaser with prior written notice of the carrier, shipping arrangements
and insurance arrangements, if applicable, with respect to the delivery of the Collateral Files and Credit and Servicing Files
with respect to the Mortgage Loans.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">With respect to the Agency Mortgage Loans, no later than ten (10) Business Days after each
applicable Servicing Transfer Date, Seller shall deliver, or cause to be delivered the Collateral Files for the related Agency
Mortgage Loans to Purchaser&rsquo;s Custodian, which may be internal delivery with the Custodian if Purchaser&rsquo;s and Seller&rsquo;s
Custodian are the same entity.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within five (5) Business Days after receipt of a Trailing Document by Seller or Seller&rsquo;s
Custodian, Seller shall provide, or cause to be provided, such Trailing Document to Purchaser&rsquo;s Custodian.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">With respect to the Credit and Servicing Files, Seller shall make the following deliveries,
subject to compliance with the Applicable Requirements:</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No later than thirty (30) days prior to each applicable Servicing Transfer Date, Seller shall
make available to Purchaser substantially all electronic images (in a format consistent with the format utilized by Seller as of
the Effective Date) of all Credit and Servicing Files for the related Mortgage Loans and REOs, in compliance with all Applicable
Requirements, as such files exist as of the most recent practicable date preceding such 30<SUP>th</SUP> day. In addition, no later
than five (5) Business Days following each applicable Servicing Transfer Date, Seller shall make available to Purchaser substantially
all electronic images (in a format consistent with the format utilized by Seller as of the Effective Date) of all Credit and Servicing
Files for the related Mortgage Loans and REOs, in compliance with all Applicable Requirements, as such files existed as of such
Servicing Transfer Date.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall provide to Purchaser (A) within ten (10) Business Days following each Servicing
Transfer Date, no less than 90% of the physical hard copies of the Credit and Servicing Files for the related Mortgage Loans and
REOs that Seller has in physical form as of the Servicing Transfer Date and (B) within thirty (30) days following each Servicing
Transfer Date, the balance of the physical hard copies of the Credit and Servicing Files for the related Mortgage Loans and REOs.
</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any costs and expenses to make available the aforementioned files and information pursuant
to clauses (i) and (ii) above shall be borne by Seller, <U>provided</U> that any costs and expense to convert such files and information
into a format requested by Purchaser shall be borne by Purchaser.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Without limiting the generality of <U>Section 7.07</U>, from the date that is thirty (30)
days prior to each applicable Servicing Transfer Date until the date that is thirty (30) days after such Servicing Transfer Date
(or until Credit and Servicing Files in possession of or on behalf of Seller have been provided to Purchaser by Seller, whichever
is later), Seller shall provide Purchaser with access to Seller&rsquo;s web portal containing such Credit and Servicing Files.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Anything to the contrary contained in this Agreement notwithstanding:</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the Parties acknowledge and agree that (1) any imaged copies of Mortgage Notes included in
the Collateral Files or Credit and Servicing Files that are not labeled &ldquo;Note Custodian&rdquo; may not be reliable from a
quality control perspective, (2) that the exclusion of such imaged copy in the Collateral File or Credit and Servicing Files shall
not be deemed to be a violation of any provision of this Agreement, <U>provided</U> that a true and correct copy of such Mortgage
Note is on file with the applicable custodian, and (3) Seller shall provide Purchaser with a copy of such images, <U>provided</U>
that Purchaser hereby (A) acknowledges that no representation is made by Seller with respect to such image, (B) waives any claim
that Purchaser may have against Seller with respect to such image, and (C) shall indemnify and hold Seller harmless from any Losses
that may arise in connection with the utilization by Purchaser or its agents of such image; </FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except for Applicable Requirements which must be satisfied, with respect to each Mortgage
Loan, Seller may deliver any electronic data required to be delivered to Purchaser by means of hard drive containing, or by providing
direct access to, scanned images of some or all documents relating to the Mortgage Loan; <U>provided</U>, that any such electronic
data shall be in a format consistent with the format utilized by Seller as of the Effective Date, and any such electronic documents
shall be identified by a loan number and document name or index, with cross-reference provided for document type indices; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">for the avoidance of doubt, to the extent that any provision of this Agreement requires Seller
to deliver or make available to Purchaser a Mortgage Note, if such Mortgage Note is not held by the applicable Custodian and has
been determined to be missing, Purchaser agrees that Seller may deliver or make available a lost note affidavit in lieu of such
Mortgage Note to the extent acceptable under Applicable Requirements.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena061_v1"></A>Section
7.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Delivery of Servicing System Information.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">With respect to each Servicing Transfer
Date, within ten (10) days after the immediately preceding Estimation Date, Seller shall furnish or cause to be furnished to (a)
Purchaser preliminary Mortgage Loan and REO data including the fields and information set forth on <U>Schedule 7.07(A)</U> reflecting
the status of payments, balances and other pertinent information necessary to service the related Mortgage Loans in accordance
with Applicable Requirements, along with any other pertinent information reasonably requested by Purchaser, (b) with respect to
each HELOC Mortgage Loan, data including the fields and information set forth on <U>Schedule 7.07(B)</U> and (c) with respect to
each Mortgage Loan subject to pending or completed modifications or other loss mitigation plans, foreclosure or bankruptcy, data
including the fields and information set forth in <U>Schedule 7.07(C)</U>. Seller shall provide to Purchaser, on conversion files
in a format mutually agreed to by the Parties, that data relating to the Mortgage Loans that is maintained by Seller as it is required
to do so under the Applicable Requirements and is necessary for the proper servicing of the Mortgage Loans in accordance with the
Applicable Requirements. Final conversion files (which shall be consistent with <U>Schedule 7.07(A)</U>, <U>Schedule 7.07(B)</U>
or <U>Schedule 7.07(C)</U>, as applicable) shall be provided no later than two (2) Business Days after the applicable Servicing
Transfer Date. Seller will use commercially reasonable efforts to provide &ldquo;test files&rdquo; to Purchaser at least thirty
(30) days prior to the relevant Servicing Transfer Date as Purchaser may reasonably request.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena062_v1"></A>Section
7.08</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Related Escrow Account Balances.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">No later than five (5) Business Days
following the applicable Servicing Transfer Date (<U>provided</U> that Seller shall use commercially reasonable efforts to take
such actions within five (5) Business Days following the applicable Servicing Transfer Date), Seller shall:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Provide Purchaser by wire transfer of immediately available federal funds representing escrow
amounts, loss drafts, suspense balances, any buydown balances and any partial and unapplied funds associated with the Mortgage
Loans as to which the related Mortgage Servicing Rights were transferred on such Servicing Transfer Date (which transfer may also
include the transfer of an account that relates to the relevant custodial accounts); and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Provide Purchaser with an accounting statement reasonably sufficient to enable Purchaser to
reconcile the balances referred to in <U>Section 7.08(a)</U> above with the accounts of the related Mortgage Loans. Within ten
(10) Business Days following Purchaser&rsquo;s receipt of the escrow proceeds referred to in <U>Section 7.08(a)</U> above, Seller
and Purchaser shall resolve any discrepancies between Seller&rsquo;s accounting statements and Purchaser&rsquo;s reconciliation
with respect thereto. No later than fifteen (15) Business Days following the applicable Servicing Transfer Date, Seller or Purchaser,
as the case may be, shall transfer to the other, by wire transfer to the designated account, any amounts to which the other Party
is entitled as a result of such reconciliation. Any dispute between the Parties with respect to such reconciliation shall be subject
to the dispute resolution provisions set forth in <U>Section 12.10(i)</U>.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena063_v1"></A>Section
7.09</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Payoffs, Assumptions, Modifications, Refinancings, Short Sales and Deeds in Lieu.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller and Purchaser shall cooperate with and assist each other, as reasonably requested,
in completing any foreclosure, payoff, assumption, modification, short sale, deed in lieu, or other loss mitigation option, in
each case that is in process as of each applicable Servicing Transfer Date. Seller shall provide Purchaser with all documentation
relating to any loan modifications or other loss mitigation activities that are in process or pending as of the related Servicing
Transfer Date in its possession in a manner consistent with the provisions of <U>Section 7.06</U>, and shall provide Purchaser
with any executed loan modifications packages or documentation relating to other loss mitigation activities relating to the relevant
Mortgage Loans that are received by Seller after the related Servicing Transfer Date.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subject to <U>Section 7.09(a)</U>, Purchaser shall accept and continue processing any pending
loan modification requests and offers related to the Mortgage Loans in compliance with Applicable Requirements. Purchaser shall
honor all trial and permanent loan modification agreements entered into by Seller, and make any related required filings with Governmental
Entities, Agencies, Investors and Insurers in accordance with Applicable Requirements. After each applicable Servicing Transfer
Date, Purchaser shall service all Mortgage Loans eligible for HAMP modifications in accordance with HAMP. Seller and Purchaser
acknowledge and agree that, if and to the extent required by Applicable Requirements (including any applicable principles of federal
preemption), Mortgagors are third party beneficiaries of the first two sentences of this <U>Section 7.09(b)</U>. </FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena064_v1"></A>Section
7.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Mortgage Loan Payments and Trailing Bills Received After Servicing Transfer Date.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All payments pertaining to Mortgage Loans with respect to which the related servicing is transferred
on the applicable Servicing Transfer Date that are received by Seller after such Servicing Transfer Date, and until ninety (90)
days thereafter, shall be forwarded by Seller to Purchaser by wire, or at Seller&rsquo;s discretion if such funds or payments are
received by check, by overnight delivery, with the check endorsed and date stamped. On and after the date which is ninety (90)
days after each applicable Servicing Transfer Date, any payments or other funds remitted by a borrower and received by Seller shall,
at Seller&rsquo;s discretion, be returned to the related borrower, or forwarded to Purchaser or its designee as described above
within five (5) Business Days following Seller&rsquo;s receipt (except that any payments or funds requiring exception processing
may be forwarded within ten (10) Business Days of Seller&rsquo;s receipt). </FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller will promptly forward, or cause vendors to send, to Purchaser any bills, invoices,
statements or other notices of required payment for which the servicer of the Mortgage Loans is responsible pursuant to Applicable
Requirements (e.g., taxes and insurance) that are received by Seller or prepared by such vendors after each applicable Servicing
Transfer Date, whether related to the period before or after, or services provided before or after, such Servicing Transfer Date,
and Purchaser shall promptly remit payment to such vendors as required in such servicing bills, invoices, statements or other notices
of required payment; <U>provided</U>, that if the payment of any such bill, invoice, statement or other notice of required payment
(whether or not forwarded to Purchaser within the foregoing time period) pertained solely to the period prior to such Servicing
Transfer Date and will reasonably be expected to result in a Loss to Purchaser for which Purchaser will not otherwise receive payment
or reimbursement from any Investor or Mortgagor and for which Purchaser would not otherwise be responsible hereunder, such bill,
invoice, statement or other notice of required payment will be promptly returned by Purchaser to Seller for payment by Seller.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena065_v1"></A>Section
7.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Misapplied and Returned Payments; Collections of Non-Qualified Advances.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Misapplied and returned payments shall
be processed as follows:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Both Parties shall reasonably cooperate in correcting misapplication errors;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Party who discovers or receives notice of a misapplied payment shall immediately notify
the other Party;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subject to <U>Section 3.03</U> hereof, if a misapplied payment has created an improper Purchase
Price as the result of an inaccurate outstanding principal balance, a check shall be issued to the Party shorted by the improper
payment application within thirty (30) days after notice thereof by the other Party; </FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If any Mortgagor&rsquo;s check presented to Seller prior to each Servicing Transfer Date is
returned unpaid to Seller for any reason subsequent to each Servicing Transfer Date, Seller shall immediately forward the original
unpaid check to Purchaser and Purchaser shall reimburse Seller therefor promptly upon Seller&rsquo;s demand; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser shall reasonably cooperate as reasonably requested by Seller, at Seller&rsquo;s
expense, in connection with any efforts to seek to collect Non-Qualified Advances, and shall promptly remit to Seller any Non-Qualified
Advances that are so collected.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena066_v1"></A>Section
7.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Servicing Obligations.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">From the date hereof until each applicable Servicing Transfer Date, Seller shall service the
relevant Mortgage Loans and REOs in compliance with the Applicable Requirements, and shall pay, perform and discharge all the rights,
obligations and duties with respect to the Related Escrow Accounts as required by an Investor, the Mortgage Loan Documents and
all Applicable Requirements.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For the avoidance of doubt, except as required under the Applicable Requirements and without
limiting the obligations of Purchaser and Seller under <U>Article XI</U>, as between Seller and Purchaser under this Agreement,
(i) Purchaser is not assuming liabilities of Seller (A) under Servicing Agreements with respect to the Mortgage Servicing Rights
that were incurred in the period prior to the Sale Date, or (B) related to the origination of any Mortgage Loans subject to the
Servicing Agreements, (ii) Seller is retaining its rights as the predecessor servicer under the Servicing Agreements (including
any rights to indemnification from the relevant counterparty) in respect of all such matters referenced in clause (i) above and
(iii) except with respect to Purchaser&rsquo;s obligations under Section 7.09, the Applicable Requirements with which Purchaser
is required to comply hereunder shall not include any judicial and administrative judgments, orders, remediation plans, stipulations,
awards, writs and injunctions applicable to any Mortgage Loan or Mortgage Servicing Right and to which Seller is a party (&ldquo;<U>Seller
Actions</U>&rdquo;); provided, however, that the Purchaser agrees to comply with servicing related actions applicable to specific
Mortgage Loans set forth in such Seller Actions in respect of which Purchaser has been provided with reasonable notice and sufficient
information to comply with such actions (whether through reasonable notations of such matters in the Credit and Servicing Files,
or in the written materials provided by or on behalf of Seller to Purchaser in connection with this Agreement or the transactions
contemplated hereby).</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">From the date hereof until each applicable Servicing Transfer Date, Seller shall at all times
be in good standing and authorized to conduct business in each jurisdiction where Seller transacts business and each jurisdiction
where a Mortgaged Property is located, except where the failure of Seller to possess such qualifications would not be material
to Purchaser.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">From the date hereof until each applicable Servicing Transfer Date, Seller shall at all times
maintain all Related Escrow Accounts in accordance with the Applicable Requirements; and, except as to payments which are past
due under Mortgage Notes, all balances required by the Mortgages or other Mortgage Loan documents and paid to Seller for the account
of the Mortgagors are on deposit in the appropriate Related Escrow Account.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">From the date hereof until the final Sale Date on which Mortgage Servicing Rights relating
to the Agency Mortgage Loans have been sold by Seller to Purchaser under this Agreement, Seller shall remain an approved Agency
seller/servicer in good standing with the requisite financial criteria and adequate resources to carry out Seller&rsquo;s obligations
herein.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">With respect to the Powers of Attorney to be delivered hereunder pursuant to Section 2.3(b):</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser shall not be authorized thereunder to, and shall not utilize such Powers of Attorney
to, enter into any agreement, arrangement, commitment or understanding that creates any direct or indirect liability, debt, obligation,
commitment, claim, loss, damage, fine, cost or expense of any kind, whether relating to payment, performance or otherwise, known
or unknown, fixed, absolute, contingent, vested or unvested of or against Seller.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event of any conflict between the terms of this Agreement or a Servicing Agreement,
on the one hand, and the terms of the Powers of Attorney, on the other hand, the terms of this Agreement or the Servicing Agreement,
as applicable, shall control. For the avoidance of doubt, in no event is Purchaser authorized to do or take any action under the
Powers of Attorney that would be inconsistent with Seller&rsquo;s management of a dispute pursuant to <U>Section 7.22(b)
</U>hereof.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Powers of Attorney do not constitute a waiver, modification or amendment of any provisions
of this Agreement or any Servicing Agreement. The Powers of Attorney may be amended, modified, supplemented or restated only by
a written instrument signed by both Seller and Purchaser. The terms of the Powers of Attorney may be waived only by a written instrument
by the party waiving compliance. Purchaser may not assign any of its rights under the Powers of Attorney without the prior written
consent of the Authorizing Party, and any such purported assignment without such consent shall be void and of no effect.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena067_v1"></A>Section
7.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Solicitation Rights.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Following the Sale Date, neither Seller nor any of its Affiliates shall, without the consent
of Purchaser, solicit the Mortgagors of the Mortgage Loans for which Mortgage Servicing Rights were transferred on such Sale Date
(nor shall Seller or its Affiliates direct any of their agents to solicit such Mortgagors) to refinance the prepayment of the Mortgage
Loans related to such Mortgage Servicing Rights; <U>provided</U>, <U>however</U>, such restriction shall not apply to advertising
campaigns directed to the general public, including mass mailings based on commercially acquired mailing lists, newspaper, radio
and television advertisements. Seller shall not sell or distribute any customer list incorporating the names of Mortgagors of any
Mortgage Loans to any unaffiliated third party in connection with or to facilitate any solicitation of such nature.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Purchaser shall not solicit any Mortgagors (nor shall Purchaser or its Affiliates direct any
of their agents to solicit Mortgagors) of the Pipeline Mortgage Loans; <U>provided</U>, <U>however</U>, such restriction shall
not apply to advertising campaigns directed to the general public, including mass mailings based on commercially acquired mailing
lists, newspaper, radio and television advertisements.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena068_v1"></A>Section
7.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Year End Tax Reporting; Other Reporting.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall be responsible for providing the Internal Revenue Service and Mortgagors with
all appropriate tax forms and information for transactions affecting the Mortgage Loans during the respective calendar year, for
the period prior to each applicable Servicing Transfer Date. Purchaser shall be responsible for providing the Internal Revenue
Service and Mortgagors with all appropriate tax forms and information for transactions affecting the Mortgage Loans following each
applicable Servicing Transfer Date.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall be responsible for any requested compliance and/or servicer certificate and accountant&rsquo;s
attestation and any other report required to be provided by the servicer under any Servicing Agreement due on or after the related
Servicing Transfer Date, including pursuant to Regulation AB under the Securities Exchange Act of 1934, as amended, to the extent
relating to the period prior to the related Servicing Transfer Date. Purchaser shall be responsible for any requested compliance
and/or servicer certificate and accountant&rsquo;s attestation and any other report required to be provided by the servicer under
any Servicing Agreement due on or after the related Servicing Transfer Date, including pursuant to Regulation AB under the Securities
Exchange Act of 1934, as amended, to the extent relating to the period on and after the related Servicing Transfer Date. Each Party
shall provide any information reasonably requested by the other Party in connection with the foregoing, at the reasonable expense
of the requesting Party.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena069_v1"></A>Section
7.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Cooperation.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Subject to <U>Article XI</U>, and without
limiting the application of <U>Sections 7.02</U>, <U>7.12</U>, <U>7.16</U>,<B> </B>and <U>7.17</U>, Seller and Purchaser shall
each use its commercially reasonable efforts to cooperate with and assist each other, as reasonably requested, in carrying out
the purposes of the Transaction Documents. Each Party shall use its commercially reasonable efforts to (i) take, or cause to be
taken, all appropriate action, and do, or cause to be done, all things necessary, proper or advisable or otherwise to promptly
consummate and make effective the Transactions, (ii) obtain all authorizations, consents or approvals that are or may be or become
necessary for the performance of its obligations under the Transaction Documents and the consummation of the Transactions, including
the Servicing Agreement Consents, and (iii) fulfill all conditions to such Party&rsquo;s obligations under this Agreement and the
other Transaction Documents as promptly as practicable.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena070_v1"></A>Section
7.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Supplemental Information.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">From time to time prior to and after
each applicable Servicing Transfer Date, Seller shall, at its cost and expense, furnish Purchaser with incidental information,
which is reasonably available to Seller, supplemental to the information contained in the documents and schedules delivered pursuant
to this Agreement, which is necessary for the proper servicing of the Mortgage Loans or to ensure compliance with the Servicing
Agreements.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena071_v1"></A>Section
7.17</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Access to Information; Required Actions.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subsequent to each applicable Servicing Transfer Date, each Party shall furnish to the other
Party such periodic, special, or other reports or information, and copies or originals of any documents contained in the Credit
and Servicing File, for each related Mortgage Loan provided for herein, as may be reasonably requested in furtherance of the fulfillment
of the requesting Party&rsquo;s duties and obligations hereunder, under any Transaction Documents, or under Applicable Requirements,
at the requesting Party&rsquo;s sole cost and expense unless otherwise expressly provided in a Transaction Document; <U>provided</U>
that if any Transaction Document otherwise obligates the requested Party to deliver such materials or information without payment
of costs, expense, or other consideration, this <U>Section 7.17(a)</U> shall not obligate the requesting Party to pay such cost
or expense. All such reports, documents or information shall be provided by and in accordance with all reasonable instructions
and directions which the requesting Party may give. Such documents shall be provided reasonably promptly following such a request.
Purchaser shall not provide originals or copies of the Credit and Servicing Files to any Person that does not have a right thereto
under the applicable Servicing Agreement and Applicable Requirements.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Party shall provide the other Party prompt notice of, and provide documents or communications
evidencing or relating to: (i) any lawsuit, counterclaim or third party claim involving any Mortgage Loan, or (ii) any repurchase
claim made by a third party or any Investor involving any Mortgage Loan, or (iii) any notice of claim cancellation or denial or
a rescission of coverage by any mortgage insurance company relating to any Mortgage Loan; <U>provided</U>, <U>however</U>, Seller
shall not be required to provide notice, documents or communications for those matters under clauses (i), (ii) and (iii) arising
after the related Servicing Transfer Date which do not name Seller except as otherwise required under <U>Article XI</U>.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena072_v1"></A>Section
7.18</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Tax, Flood and Other Set Up Costs.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Seller shall bear and pay all fees relating
to the transfer of servicing to Purchaser, including any Investor&rsquo;s transfer processing fees, assignment preparation and
recording fees (including in the case of any deficient assignments that are re-sent for recordation by Purchaser), MERS fees and
costs of delivery and deposit expenses for the shipment of the Collateral Files, and the shipment of Credit and Servicing Files
to the extent not delivered in the form of electronically imaged copies, to Purchaser and/or Purchaser&rsquo;s Custodian. Seller
shall be responsible for the costs of any tax or flood services contracts, certifications or set up costs, <U>provided</U> that
Seller shall not responsible for such costs with respect to those Mortgage Loans having transferable life of loan tax and flood
services contracts and certifications and Seller delivers all information as required by <U>Sections 7.04(e)</U> and <U>7.05(d)</U>,
as applicable. If Seller fails to deliver such contracts or information, or such information is incorrect as to any Mortgage Loan,
Seller shall bear and pay Purchaser&rsquo;s actual, out-of-pocket costs and expenses for such contracts, certifications or set
up costs for such Mortgage Loans, not to exceed $35 per Mortgage Loan for tax services contracts, and not to exceed $6 per Mortgage
Loan for flood certifications. Purchaser shall use commercially reasonable efforts to minimize the cost of such contracts, certifications
and set-up costs.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena073_v1"></A>Section
7.19</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Document Custodian.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">With respect to all of the Mortgage Loans,
the current Custodian will continue to act as the Custodian after each Servicing Transfer Date, provided that with respect to the
Agency Mortgage Loans, the current Custodian is Deutsche Bank National Trust Company (or, in respect of certain FHMLC Mortgage
Loans, The Bank of New York Mellon Corporation or its Affiliates). Purchaser shall be responsible for the fees and expenses of
Custodian for the Agency Mortgage Loans that arise after the applicable Sale Date; <U>provided</U>, <U>however</U>, that Seller
shall be responsible for the cost of shipping the Collateral Files, if necessary, to Purchaser&rsquo;s Custodian.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena074_v1"></A>Section
7.20</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Conduct of Business Prior to the Sale Dates.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">From the date of this Agreement until
the final Sale Date, except as contemplated by this Agreement or as required by Applicable Requirements, Seller shall use commercially
reasonable efforts to conduct its servicing business with respect to the Mortgage Servicing Rights and operate the Purchased Assets
in the ordinary course of business. Without limiting the generality of the foregoing sentence, from the date of this Agreement
until the Sale Date, except as contemplated by this Agreement or as required by the Applicable Requirements, Seller shall not,
without the prior written consent of Purchaser, which shall not be unreasonably withheld or delayed:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">amend in any material respect or terminate any applicable Servicing Agreement, <U>provided</U>,
<U>however</U>, that the expiration of any such Servicing Agreement in accordance with its terms prior to the relevant Sale Date
shall not be deemed to be such a termination of a Servicing Agreement;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">sell, transfer, assign, cancel, surrender, subject to any lien (other than any lien that is
created by operation of law and that will be released as of the relevant Sale Date) or otherwise dispose of or encumber (subject
to the exception in the preceding parenthetical) any of the applicable Purchased Assets in one transaction or a series of related
transactions; or</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">agree to do any of the foregoing.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena075_v1"></A>Section
7.21</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Transfer Without Consent.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Notwithstanding anything herein to the
contrary, this Agreement shall not constitute an agreement to sell, assign, transfer, convey or deliver any interest in any Purchased
Assets if a sale, assignment, transfer, conveyance, or delivery or an attempt to make such a sale, assignment, transfer, conveyance,
or delivery without obtaining any applicable Servicing Agreement Consents would constitute a breach or violation of any Servicing
Agreement or would affect adversely the rights of Seller or Purchaser thereunder; and any sale, assignment, transfer, conveyance,
or delivery to Purchaser of any interest in the Purchased Assets shall be made subject to such Servicing Agreement Consents. If
any such Servicing Agreement Consent is not obtained on or prior to the Sale Date, then Purchaser and Seller shall cooperate to
obtain any such Servicing Agreement Consent pursuant to <U>Section 7.02</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena076_v1"></A>Section
7.22</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Mortgage Loans In Litigation, In Bankruptcy and In Foreclosure.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except in circumstances in which Seller exercises its option provided under <U>Section 7.22(b)</U>,
all Mortgage Loans In Bankruptcy, Mortgage Loans In Foreclosure and Mortgage Loans in Litigation shall be managed, serviced and
administered solely by Purchaser pursuant to Applicable Requirements. To the extent that any such litigation has been brought by
Seller as plaintiff, including in connection with any foreclosure actions, Purchaser and Seller shall cooperate to substitute Purchaser
in place of Seller as the party to such litigation (unless Purchaser makes a determination to terminate or reinitiate such litigation).</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller, at Seller&rsquo;s cost and expense, shall have the right to manage and administer
any Mortgage Loans and REOs In Bankruptcy, In Foreclosure and In Litigation, which option may be exercised by written notice to
Purchaser no later than the applicable Servicing Transfer Date with respect to such Mortgage Loan or REO. In such circumstance,
Purchaser shall service and administer any such Mortgage Loans or REOs at Seller&rsquo;s direction as and to the extent described
in the Cooperation Agreement and consistent with Applicable Requirements.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">With respect to any claim, action, suit or arbitration that is brought against Seller and
that is indemnifiable by Purchaser pursuant to <U>Section 11.03(f)</U>, Purchaser and Seller shall cooperate to substitute Purchaser
in place of Seller as the defendant to such litigation, to the extent reasonably practicable.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena077_v1"></A>Section
7.23</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Cooperation with Financing Amendments.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller shall, at Purchaser&rsquo;s cost
and expense, provide all cooperation reasonably requested by Purchaser in connection with Purchaser&rsquo;s obtaining any Financing
Amendments.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena078_v1"></A>Section
7.24</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Excess Yield.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">In the event that Seller has conveyed
or advanced any &ldquo;excess yield&rdquo; to any Agency (whether pursuant to any Excess Servicing Rights Agreement or otherwise),
Seller shall have no right to reimbursement in respect thereof from Purchaser.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena079_v1"></A>Section
7.25</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Bulk Sales Compliance.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">To the extent permitted under applicable
law, Purchaser and Seller hereby waive compliance with the terms of any applicable bulk sales law or similar laws that may be applicable
to the sale and transfer of the Purchased Assets.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena080_v1"></A>Section
7.26</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>SCRA Schedule.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">As promptly as practicable after the
Effective Date, Seller shall provide to Purchaser a schedule of any Mortgage Loans subject to the SCRA through a review against
the DMDC database.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena081_v1"></A>Section
7.27</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>HELOC Mortgage Loans.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Following the Servicing
Transfer Date relating to any HELOC Mortgage Loans, Purchaser shall fund any new credit line draws permitted under the terms of
such Mortgage Loan and the related Servicing Agreements, <U>provided</U> that Seller shall reimburse the Purchaser within one (1)
Business Day of receiving an invoice from the Purchaser reflecting such funding by Purchaser. Purchaser shall remit its invoices
for such funding on a weekly basis (and no more frequently than a weekly basis), such invoices to be submitted no later than three
(3) Business Days following the end of each such week. Such remittance data shall be in the form of <U>Schedule 7.27-A</U>. Purchaser
shall reimburse Seller or its designee on a weekly basis for reimbursements made to Purchaser from the first collections received
to reimburse draws pursuant to the related Servicing Agreements unless otherwise required under such Servicing Agreements or Applicable
Requirements. Purchaser shall follow the policies and procedures relating to the unfreezing of lines of credit and appeals processes
as set forth in <U>Schedule 7.27-B</U>, as such schedule may be amended by Seller from time to time in a commercially reasonable
manner consistent with the policies of general application by Seller in connection with the conduct of its business relating to
home equity lines of credit. Notwithstanding any provision in this Agreement to the contrary, as between Seller and Purchaser,
Purchaser shall not assume any credit risk associated with the draws made on HELOC Mortgage Loans and Seller shall retain all such
credit risk to the extent such draws are not repaid or reimbursed pursuant to the terms of such Mortgage Loans or the related Servicing
Agreements. The Purchaser shall terminate all such credit lines in accordance with the terms of such HELOC Mortgage Loans and the
related Servicing Agreements in accordance with the terms of the policies of Seller attached hereto as <U>Schedule 7.27-B</U>.
The parties agree to cooperate in good faith to establish a mutually acceptable process for handling the payment and reimbursement
of credit line draws on the HELOC Mortgage Loans.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena082_v1"></A>Section
7.28</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>HAMP and 2MP.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller hereby notifies Purchaser that the Mortgage Loans include mortgage loans that have
been modified under various refinancing and other homeowner protection programs maintained by the United States federal government,
including HAMP and 2MP. Purchaser confirms that it is aware of the special requirements for such Mortgage Loans under such programs,
and Purchaser agrees to assume the additional responsibilities associated with servicing such Mortgage Loans with respect to HAMP
and with respect to 2MP, solely to the extent contemplated herein. On or prior to the initial Servicing Transfer Date, Seller and
Purchaser shall execute and deliver a HAMP Assignment and Assumption Agreement required under HAMP.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall comply in a timely manner with all reporting, notice and other documentation
requirements under HAMP and 2MP in connection with the transfer of servicing of the Mortgage Loans to Purchaser. To the extent
Seller is required to prepare any reports or deliver any notices related to the Mortgage Loans that include any information or
data related to periods or events after the related Servicing Transfer Date, Purchaser shall timely provide Seller with all such
data or information necessary for Seller to prepare such reports or notices.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller and Purchaser shall cooperate in good faith in connection with the transition of any
Mortgage Loan for which the HAMP evaluation and modification process has been commenced prior to the related Servicing Transfer
Date, including any operational actions or requirements necessary to comply with HAMP. With respect to each Mortgage Loan subject
to a trial payment period as of the related Servicing Transfer Date, Purchaser shall take all actions required of a servicer participating
in HAMP to complete such trial payment period and implement the related loan modification to the extent the Mortgagor has satisfied
the requirements under HAMP and the trial payment plan. </FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller shall be entitled to all servicer incentive compensation payable under HAMP or 2MP
for any Mortgage Loan to the extent such fees have been earned as of the related Servicing Transfer Date. Purchaser agrees to pay
Seller any such fees set forth in the preceding sentence that it receives following the related Servicing Transfer Date. Pursuant
to Section 3.04, Purchaser shall remit to Seller any servicer incentive compensation that is payable to Seller hereunder but is
received by Purchaser following the related Servicing Transfer Date.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except for the HAMP and 2MP servicer compensation payable to Seller prior to the preceding
paragraph, Purchaser shall be entitled to all initial and subsequent servicer incentive compensation and any additional compensation
under HAMP or 2MP that is received by Seller or Purchaser with respect to a Mortgage Loan after the related Servicing Transfer
Date regardless of when the HAMP or 2MP evaluation or modification process has been commenced or when the related loan modification
became or becomes permanent. Seller shall remit to Purchaser any servicer incentive compensation that is payable to Purchaser hereunder
but is received by Seller following the related Servicing Transfer Date.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For Mortgage Loans for which a HAMP modification is in process but not completed prior to
the related Servicing Transfer Date or for which a HAMP modification was denied prior to such Servicing Transfer Date, Seller shall
provide Purchaser with all information set forth in the Servicing Transfer Instructions. For any of Mortgage Loans for which a
HAMP modification has been completed, commenced or denied, Seller agrees to provide Purchaser with any additional information reasonably
requested by Purchaser to comply with its obligations under this Agreement, the Servicing Agreements and its Servicer Participation
Agreement entered into with respect to HAMP.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(g)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For Mortgage Loans for which a 2MP modification is in process but not completed and for Mortgage
Loans that are &ldquo;eligible&rdquo; under the 2MP, Seller and Purchaser shall cooperate in good faith to acquire the approval
from the United States Treasury to permit the Purchaser to perform proprietary modifications with respect any such Mortgage
Loans in accordance with its proprietary modification program which shall be on terms and conditions consistent with the 2MP modification
program and subject to other terms as approved by the United States Treasury. For such Mortgage Loans that have been approved
by the United States Treasury on or prior to the related Servicing Transfer Date, Purchaser shall
assume responsibility for Servicing such Mortgage Loans, Seller shall cease all Servicing activity related to such Mortgage Loans
transferred on such Servicing Transfer Date, and Purchaser shall perform and provide proprietary modifications with respect any
such Mortgage Loans in accordance with its proprietary modification program subject to the terms as approved by the United States
Treasury. Purchaser shall comply in a timely manner with all reporting, notice and other documentation requirements under 2MP
in connection with the transfer of servicing of such Mortgage Loans to Purchaser. If the approval of the United States Treasury
described above has not been received on or prior to the related Servicing Transfer Date, the Parties agree to cooperate in good
faith to negotiate the specific provisions regarding the transfer of any such Mortgage Loans from Seller to Purchaser, including
the timing of such transfer, the subservicing of such Mortgage Loans by Purchaser on behalf of Seller and the accompanying provisions
regarding the transfers of the related Collateral File and Credit and Servicing File (to the extent that such concepts are applicable)
until the related 2MP modification has been completed or denied or the United States Treasury approval has been received.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(h)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Party shall, at any time and from time to time, promptly, upon the reasonable request
of the other Party, execute, acknowledge and deliver all such documents, or perform all such further acts, as may be requested
in connection with any audit, inspection, review or investigation of a Party&rsquo;s compliance with or reporting under HAMP or
2MP related to the Mortgage Loans.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena083_v1"></A>Section
7.29</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Treatment of Pipeline Loans.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Parties agree to cooperate
in good faith to negotiate the specific provisions regarding the transfer of the Pipeline Loans from Seller to Purchaser, including
the timing of such transfer and the accompanying provisions regarding the transfers of the related Collateral File and Credit and
Servicing File (to the extent that such concepts are applicable). The Parties acknowledge and agree that the Purchase Price for
such Pipeline Loans shall be as set forth herein.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena084_v1"></A>Section
7.30</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Interpretation.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">To the extent that there is any conflict
between the provisions of this <U>Article VII</U> and any transfer instructions set forth on any schedule referenced in this <U>Article
VII</U>, the provisions of this <U>Article VII</U> shall control.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena085_v1"></A>ARTICLE
VIII</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">CONDITIONS PRECEDENT TO OBLIGATIONS OF PURCHASER</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The obligations of Purchaser under this
Agreement with respect to the sale of the Purchased Assets pertaining to a particular Servicing Agreement are subject to the satisfaction,
or waiver, of the following conditions as of the applicable Sale Date:</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena086_v1"></A>Section
8.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Correctness of Representations and Warranties.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The representations and warranties made
by Seller in this Agreement (other than the Fundamental Reps made by Seller) are true and correct, except for the failure or failures
of such representations and warranties to be so true and correct that (after excluding any effect of materiality qualifications
set forth in any such representation or warranty) have not had and would not reasonably be expected to have, individually or in
the aggregate, a Seller Material Adverse Effect. The Fundamental Reps made by Seller in this Agreement are true and correct in
all material respects.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena087_v1"></A>Section
8.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Compliance with Conditions.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">All of the terms, conditions, covenants
and obligations of this Agreement required to be complied with and performed by Seller prior to applicable Sale Date, shall have
been duly performed in all material respects.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena088_v1"></A>Section
8.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Legal Prohibition.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">No law or regulation shall have been
enacted or promulgated by any Governmental Entity which prohibits the consummation of the transfer of the relevant Purchased Assets,
and there shall be no order or injunction of a court of competent jurisdiction in effect preventing the consummation of the transfer
of the relevant Purchased Assets.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena089_v1"></A>Section
8.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Consents.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller shall have obtained all consents,
approvals or other requirements of third parties, if any, required for the consummation of the transfer of the subject Purchased
Assets, including the applicable Servicing Agreement Consents.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena090_v1"></A>Section
8.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Investor Consent Agreements.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">With respect to any Sale Date relating
to Fannie Mae or Freddie Mac Mortgage Loans, each of Fannie Mae and Freddie Mac, as applicable, shall have executed a consent to
the transfer of the Mortgage Servicing Rights as contemplated hereby (such letter agreements, the &ldquo;<U>Investor Consent and
Waiver Letters</U>&rdquo;).</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena091_v1"></A>Section
8.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Certificate of Seller.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">On the applicable Sale Date, Seller shall
provide Purchaser a certificate, substantially in the form attached hereto as <B>Exhibit D,</B> signed by an authorized officer
of Seller dated as of such date, applicable to the Transactions, to the effect that the conditions set forth in <U>Sections 8.01</U>
and <U>8.02</U> have been satisfied as of such date.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena092_v1"></A>Section
8.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Delivery of Documents.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Seller shall have delivered to Purchaser
each of the documents required to be delivered by it as provided for in <U>Section 2.02(c)</U> hereof.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena093_v1"></A>ARTICLE
IX</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">CONDITIONS PRECEDENT TO OBLIGATIONS OF SELLER</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The obligations of Seller under this
Agreement with respect to the sale of the Purchaser Assets pertaining to a particular Servicing Agreement are subject to the satisfaction,
or waiver, of the following conditions as of the applicable Sale Date:</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena094_v1"></A>Section
9.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Correctness of Representations and Warranties.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">The representations and warranties made
by Purchaser in this Agreement (other than the Fundamental Reps made by Purchaser) are true and correct, except for the failure
or failures of such representations and warranties to be so true and correct that (after excluding any effect of materiality qualifications
set forth in any such representation or warranty) have not had and would not reasonably be expected to have, individually or in
the aggregate, a Purchaser Material Adverse Effect. The Fundamental Reps made by Purchaser in this Agreement are true and correct
in all material respects.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena095_v1"></A>Section
9.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Compliance with Conditions.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">All of the terms, conditions, covenants
and obligations of this Agreement required to be complied with and performed by Purchaser prior to the applicable Sale Date, shall
have been duly performed in all material respects.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena096_v1"></A>Section
9.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Certificate of Purchaser.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">On the applicable Sale Date, Purchaser
shall provide Seller a certificate, substantially in the form attached hereto as <B>Exhibit D</B>, signed by an authorized officer
of Purchaser dated as of such date, applicable to the Transactions, to the effect that the conditions set forth in <U>Sections
9.01</U> and <U>9.02</U> have been satisfied as of such date.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena097_v1"></A>Section
9.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Legal Prohibition.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">No law or regulation shall have been
enacted or promulgated by any Governmental Entity which prohibits the consummation of the Transactions, and there shall be no order
or injunction of a court of competent jurisdiction in effect preventing the consummation of the Transactions.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena098_v1"></A>Section
9.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Investor Consent Agreements.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">With respect to any Sale Date relating
to Fannie Mae or Freddie Mac Mortgage Loans, each of Fannie Mae and Freddie Mac, as applicable, shall have executed an Investor
Consent and Waiver Letter.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena099_v1"></A>Section
9.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Regulatory Approval; Absence of Certain Regulatory Objections.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The FDIC shall have approved the consummation
of the contemplated Transactions to the extent necessary under applicable law and under the agreements and Orders to which Seller
is a party or is subject, and neither the Office of the Comptroller of the Currency nor the Board of Governors of the Federal Reserve
System shall have raised (or, if raised, shall not have subsequently withdrawn), any material objection to the consummation of
the contemplated Transactions.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena100_v1"></A>Section
9.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Delivery of Documents.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Purchaser shall have delivered to Seller
each of the documents required to be delivered by it as provided for in <U>Section 2.02(c)</U> hereof</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena101_v1"></A>ARTICLE
X</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">TERMINATION</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena102_v1"></A>Section
10.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Termination.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">This Agreement may be terminated:</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">at any time by the mutual written agreement of Purchaser and Seller;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">at any time prior to the Initial Sale Date by Seller or Purchaser (<U>provided</U>, that the
terminating Party is not then in breach of any representation, warranty, covenant or other agreement contained herein in any material
respect, after excluding any effect of materiality qualifications set forth in any such representation or warranty) if there shall
have been a breach of any of the applicable representations or warranties set forth in this Agreement on the part of the other
Party, such that a condition to the obligation of the terminating Party to close the Transactions set forth in <U>Article VIII</U>
or <U>IX</U>, as applicable, cannot be satisfied and which breach by its nature cannot be cured prior to the Termination Date or
shall not have been cured within thirty (30) days after delivery of written notice of such breach by the terminating Party to the
other Party;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">at any time prior to the Initial Sale Date by Seller or Purchaser (<U>provided</U>, that the
terminating Party is not then in breach of any representation, warranty, covenant or other agreement contained herein in any material
respect, after excluding any effect of materiality qualifications set forth in any such representation or warranty) if there shall
have been a failure to perform or comply with any of the applicable covenants or agreements set forth in this Agreement on the
part of the other Party in any material respect, such that a condition to the obligation of the terminating Party to close the
Transactions set forth in <U>Article VIII</U> or <U>IX</U>, as applicable, cannot be satisfied and which failure by its nature
cannot be cured prior to the Termination Date or shall not have been cured within thirty (30) days after delivery of written notice
of such failure by the terminating Party to the other Party;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iv)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by Seller or Purchaser, if the Initial Sale Date shall not have occurred by the Termination
Date or such later date as shall have been agreed to in writing by Purchaser and Seller; <U>provided</U>, that no Party may terminate
this Agreement pursuant to this <U>Section 10.01(a)(iv)</U> if the failure of the final Closing to have occurred on or before the
Termination Date was due to such Party&rsquo;s breach of any representation or warranty or material breach of any covenant or other
agreement contained in this Agreement; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(v)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by Seller or Purchaser prior to the Initial Sale Date if (A) final action has been taken by
a Governmental Entity whose approval is required in connection with this Agreement and the Transactions, which final action (1)
has become unappealable and (2) does not approve this Agreement or the Transactions, (B) any Governmental Entity whose approval
or nonobjection is required in connection with this Agreement and the Transactions has stated that it will not issue the required
approval or nonobjection, or (C) any court of competent jurisdiction or other Governmental Entity shall have issued an order, decree,
ruling or taken any other action restraining, enjoining or otherwise prohibiting the Transactions and such order, decree, ruling
or other action shall have become final and unappealable.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Either Party desiring to terminate this Agreement pursuant to <U>Section 10.01(a)</U> shall
give written notice of such termination to the other Party.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If any Mortgage Servicing Rights in respect of Mortgage Loans contemplated to be transferred
hereunder have not been transferred as of the Termination Date, then such Mortgage Servicing Rights shall be retained by Seller
and shall not be considered to be Purchased Assets hereunder. In such circumstance, Seller and Purchaser shall enter into good
faith negotiations to provide for a subservicing arrangement that provides Purchaser with the rights and obligations of such Mortgage
Servicing Rights, and if and when such subservicing arrangement is entered into, Purchaser shall pay a Purchase Price for such
Mortgage Servicing Rights pursuant to <U>Section 3.01</U>. If Seller and Purchaser, negotiating in good faith, are unable to enter
into such a subservicing arrangement with respect to the Mortgage Servicing Rights of one or more such Mortgage Loans (the &ldquo;<U>Retained
Servicing Rights</U>&rdquo;) within 45 days following the Termination Date, then Seller shall retain the Retained Servicing Rights
with no further obligations with respect thereto for either Party.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena103_v1"></A>Section
10.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Effect of Termination.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event of termination of this Agreement pursuant to <U>Section 10.01(a)</U>, this Agreement
shall forthwith become void and have no further force, except that the provisions of this <U>Section 10.02</U>, <U>Section 12.01</U>,
<U>Section 12.02</U>, <U>Section 12.03</U>, <U>Section 12.04</U>, <U>Section 12.06</U>, <U>Section 12.07</U>, <U>Section 12.09</U>,
<U>Section 12.10</U>, <U>Section 12.11</U>, <U>Section 12.12</U>, <U>Section 12.14</U> and <U>Section 12.15</U>, and any other
Section which, by its terms, relates to post-termination rights or obligations, shall survive such termination of this Agreement
and remain in full force and effect.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event that this Agreement is terminated by Seller prior to the Initial Sale Date pursuant
to <U>Section 10.01(a)(iii)</U> as a result of a failure of Purchaser to consummate the relevant contemplated Transactions, and
provided that all of the conditions set forth in <U>Article VIII</U> have then been satisfied or waived (other than those conditions
that by their nature would be satisfied at the Closing) and Seller has indicated (and not withdrawn) in writing at least five Business
Days prior to the termination date that it is ready and willing to proceed with the Closing at the Initial Sale Date, then Seller
may elect to receive from Purchaser a termination fee (the &ldquo;<U>Termination Fee</U>&rdquo;) equal to fifty million dollars
($50,000,000). Such election shall be made in writing and delivered to Purchaser no later than five Business Days prior to the
termination date. If such election is made and this Agreement is terminated, then Purchaser shall pay Seller the Termination Fee
as provided in <U>Section 10.02(d)</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event that this Agreement is terminated by Purchaser prior to the Initial Sale Date
pursuant to <U>Section 10.01(a)(iii)</U> as a result of a failure of Seller to consummate the relevant contemplated Transactions,
and provided that all of the conditions set forth in <U>Article IX</U> have then been satisfied or waived (other than those conditions
that by their nature would be satisfied at the Closing) and Purchaser has indicated (and not withdrawn) in writing at least five
Business Days prior to the termination date that it is ready and willing to proceed with the Closing at the Initial Sale Date,
then the Purchaser may elect to receive from Seller the Termination Fee. Such election shall be made in writing and delivered to
Seller no later than five Business Days prior to the termination date. If such election is made and this Agreement is terminated,
then Seller shall pay Purchaser the Termination Fee as provided in <U>Section 10.02(d)</U>.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any such Termination Fee shall be paid by the non-terminating Party to the terminating Party
no later than three (3) Business Days following the Termination Date. Seller and Purchaser agree that notwithstanding anything
to the contrary in this Agreement, in the event the Termination Fee becomes payable and is actually paid by the non-terminating
Party, (i) the receipt of such Termination Fee by the terminating Party shall be deemed liquidated damages and shall be the sole
and exclusive remedy of the terminating Party and its Related Parties against the non-terminating Party or its Related Parties,
and the terminating Party shall not seek to recover any other money damages or seek any other remedy under this Agreement and (ii)
the terminating Party hereby waives, and shall cause its respective Affiliates to waive, any and all other rights or causes of
action it or its Affiliates may have against the breaching Party. In the event a Termination Fee is not paid pursuant to this <U>Section
10.02(d)</U>, the termination of this Agreement pursuant to <U>Section 10.02(a)</U> shall not affect the rights of either Party
with respect to any liabilities incurred or suffered by such Party as a result of a breach by the other Party of any of its representations,
warranties, covenants or agreements in this Agreement.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena104_v1"></A>ARTICLE
XI</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">RESPONSIBILITY FOR CLAIMS; INDEMNIFICATION; CURE OR REPURCHASE</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena105_v1"></A>Section
11.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>[Reserved].</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena106_v1"></A>Section
11.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Indemnification by Seller.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Subject to the provisions of <U>Section
11.08</U> of this Agreement and Section 2.8 of the Cooperation Agreement, Seller shall indemnify, defend and hold Purchaser and
its Related Parties harmless from and shall reimburse Purchaser and its Related Parties for any Losses (other than Excluded Liabilities)
suffered or incurred by Purchaser or its Related Parties, that result from or arise out of:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any breach of a representation or warranty by Seller contained in this Agreement (it being
understood that for purposes of determining the applicability of the indemnity in this sub-section (a) only, the &ldquo;Knowledge
of Seller&rdquo; qualifier in <U>Section 5.01(e)</U> shall be disregarded);</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any breach, failure to perform or other non-fulfillment of any covenant or other obligation
of Seller contained in this Agreement or any other Transaction Document;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any repurchase obligations, make whole, indemnification or other obligations related to the
origination of the Mortgage Loans, including any origination representations and warranties made with respect to the Mortgage Loans
(<U>provided</U> that the indemnity provided by Seller under this clause (c) shall not be deemed to be an admission by Seller of
the liability or risk with respect to any such obligation other than to Purchaser pursuant to the terms of this Agreement);</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any Action by any Governmental Entity (including any Order arising therefrom) arising out
of any act or omission prior to the related Servicing Transfer Date by Seller, any prior servicer, subservicer or originator in
respect of any of the related Mortgage Loans or Mortgage Servicing Rights, or any actions by FHA or VA for pre-boarding delinquencies;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any act or omission prior to the related Servicing Transfer Date by Seller, any prior servicer,
subservicer or originator in respect of any of the related Mortgage Loans or Mortgage Servicing Rights, including any failure by
Seller or such other parties to comply with Applicable Requirements prior to the related Servicing Transfer Date;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any recourse Losses with respect to any Recourse Servicing; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(g)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any Legacy Litigation Claims;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><U>provided</U>, that Seller will not be responsible to Purchaser
or its Related Parties for that portion, if any, of any Loss that arises out of or results from Purchaser&rsquo;s or its designee&rsquo;s
failure to service any of the Mortgage Loans or Mortgage Servicing Rights after each Servicing Transfer Date in compliance with
all Applicable Requirements</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Notwithstanding any provision of this
<U>Section 11.02</U> to the contrary, any obligation to pay Agency Fees shall be governed by the provisions of <U>Section 11.06</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena107_v1"></A>Section
11.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Indemnification by Purchaser.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Subject to the provisions of Section
2.8 of the Cooperation Agreement, Purchaser shall indemnify, defend and hold Seller and its Related Parties harmless from and shall
reimburse Seller and its Related Parties for any Losses suffered or incurred by Seller or its Related Parties that result from
or arise out of:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any breach of a representation or warranty by Purchaser made in this Agreement or any other
Transaction Document;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any breach, failure to perform or other non-fulfillment of any covenant or obligation of Purchaser
contained in this Agreement or any other Transaction Document;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any repurchase obligations, make whole, indemnification or other obligations related to the
origination of the Mortgage Loans, including any origination representations and warranties made with respect to the Mortgage Loans
to the extent that such Losses are not indemnifiable by Seller as a result of the application of <U>Section 11.08</U> (other than
any such obligations that relate to Mortgage Loans that were originated by Seller from and after March 19, 2009 insofar as they
arise out of claims made against Seller in its capacity as the originator of such Mortgage Loans);</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any act or omission prior to the related Servicing Transfer Date by Seller, any prior servicer,
subservicer or originator in respect of any of the related Mortgage Loans or Mortgage Servicing Rights, including any failure by
Seller or such other parties to comply with Applicable Requirements prior to the related Servicing Transfer Date to the extent
that such Losses are not indemnifiable by Seller as a result of the application of <U>Section 11.08</U> (other than in respect
of Mortgage Loans that were originated by Seller from and after March 19, 2009 insofar as they arise out of claims made against
Seller in its capacity as the originator of such Mortgage Loans);</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any failure by Purchaser or its designees or successors to service any of the Mortgage Loans
and Mortgage Servicing Rights after each Servicing Transfer Date in compliance with all Applicable Requirements, including any
improper or unlawful use of the Powers of Attorney delivered pursuant to <U>Section 2.03</U>, except in any case if and to the
extent such failure or improper or unlawful use results from a breach of a representation or warranty by Seller or any prior act
or omission of Seller or any originator or prior servicer or subservicer in violation of Applicable Requirements; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any claim, action, suit or arbitration that is brought against Seller after the relevant Servicing
Transfer Date that relates to any act or omission by Purchaser, Seller, any prior servicer, subservicer, originator or other Person
in respect of any of the related Mortgage Loans or Mortgage Servicing Rights to the extent that such Losses are not indemnifiable
by Seller as a result of the application of <U>Section 11.08</U> (other than in respect of Mortgage Loans that were originated
by Seller from and after March 19, 2009 insofar as they arise out of claims, actions, suits or arbitrations brought against Seller
in its capacity as the originator of such Mortgage Loans).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Notwithstanding any provision of this
<U>Section 11.03</U> to the contrary, with respect to (i) clauses (c), (d) and (f) of <U>Section 11.03</U>, the Purchaser shall
have no obligation to indemnify Seller for Losses thereunder to the extent that such Losses are finally adjudicated by a court
of competent jurisdiction (or, if applicable, by the relevant arbitrator) to be the result of the gross negligence or willful misconduct
of Seller and (ii) any obligation to pay Agency Fees shall be governed by the provisions of <U>Section 11.06</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena108_v1"></A>Section
11.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Repurchase Events.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">In the event Seller is notified in writing
by Purchaser that Purchaser is required to repurchase a Mortgage Loan under any Servicing Agreement and such repurchase would be
subject to a valid indemnification claim against Seller pursuant to <U>Section 11.02</U>, Seller shall, subject to any right of
appeal or cure, fund the purchase price required to paid to the applicable Investor. If a Mortgage Loan is required to be repurchased
pursuant to the preceding sentence, Purchaser shall continue to retain the Mortgage Servicing Rights relating to such Mortgage
Loan, and shall continue to service such Mortgage Loan in accordance with its ordinary course practices and on the same terms as
those under which it serviced such Mortgage Loan immediately prior to such repurchase event. In the event of such repurchase, Purchaser
shall promptly remit any collections of principal and interest payments, and any other payments or proceeds that would be payable
to the owner of the Mortgage Loan, to Seller.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena109_v1"></A>Section
11.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Procedures For Third Party Claims That Are Indemnifiable</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">In the event that a Party receives written
notice of the assertion of any litigation, proceedings, governmental investigations, orders, injunctions, decrees or any other
claims raised or made by a third party after the related Servicing Transfer Date and that are subject to indemnification under
this Agreement (each, a &ldquo;<U>Third Party Claim</U>&rdquo;), such Party shall promptly give reasonably detailed written notice
of such event to the other Party, <U>provided</U>, <U>however</U> the failure to give such notification will not affect the indemnification
provided hereunder unless the indemnifying Party is prejudiced by such failure, and then only to the extent of such prejudice.
Upon receipt of such notice of a Third Party Claim, the indemnifying Party shall have the right to assume the defense of such Third
Party Claim using counsel of its choice reasonably satisfactory to the indemnified Party; <U>provided</U>, <U>however</U>, the
indemnifying Party shall obtain the prior written approval of the indemnified Party before entering into any settlement of such
Third Party Claim that includes any non-monetary relief, remedies or obligations that would be applicable to the indemnified Party
(including, in the case of Purchaser, the Purchased Assets), which approval shall not be unreasonably withheld. In the event the
indemnified Party reasonably concludes that there may be legal defenses available to it that are different from or in addition
to those available to the indemnifying Party, the indemnified Party shall have the right, at the indemnifying Party&rsquo;s reasonable
expense, to select separate counsel and to otherwise separately defend itself but shall not consent to the entry of a judgment
or enter into any settlement with respect to the Third Party Claim without the prior written consent of the indemnifying Party,
which consent shall not be unreasonably withheld. With respect to any Third Party Claim subject to indemnification under this Agreement,
the indemnified Party agrees to cooperate and cause its Related Parties to cooperate in good faith with the indemnifying Party
to ensure the proper and adequate defense of such Third Party Claim.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena110_v1"></A>Section
11.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Agency Fees.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Subject to the limitation set forth in
<U>Section 11.08</U> (it being understood that once the Cap has been reached, any remaining Agency Fees (other than Seller Paid
Agency Fees) will be the responsibility of Purchaser), Agency-imposed fees or penalties (including any repurchase demands, make-whole
obligations or other obligations to make cash payments) related to any Mortgage Loan foreclosures exceeding an Agency&rsquo;s required
timelines (the &ldquo;<U>Agency Fees</U>&rdquo;) that are imposed by an Agency with respect to any of the Agency Mortgage Loans
shall be allocated as follows:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Seller Paid Agency Fees shall be the sole responsibility of Seller;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(ii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Agency Fees imposed on or after the applicable Servicing Transfer Date shall be the sole responsibility
of Purchaser if the related Mortgage Loan was less than ninety (90) days&rsquo; delinquent as of the applicable Servicing Transfer
Date;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iii)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Agency Fees (other than Seller Paid Agency Fees) imposed on or after the applicable Servicing
Transfer Date for Mortgage Loans that are ninety (90) days or more delinquent as of the applicable Servicing Transfer Date shall
be allocated ratably between Seller and Purchaser on the basis of the number of &ldquo;controllable&rdquo; days of delay that occur
prior to such Servicing Transfer Date and on and after such Servicing Transfer Date, as finally determined by the applicable Agency
following any available appeal process; and</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: black">(iv)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">To the extent an Agency requires a Mortgage Loan to be repurchased due to foreclosure related
timeline delays, the Parties will share the economic responsibility associated with such loan repurchase allocated ratably based
on the number of &ldquo;controllable&rdquo; days of delay occurring prior to the applicable Servicing Transfer Date, <U>provided</U>,
<U>however</U>, if the repurchase claim relates to a Seller Paid Agency Fee (as described in clause (ii) of such defined term),
Seller shall have sole economic responsibility associated with such loan repurchase. Purchaser will fund each loan repurchase and
Seller will reimburse Purchaser for its pro rata share of such repurchase on the last Business Day of the month in which such repurchase
occurred.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">In all cases, each of Purchaser and Seller shall utilize
commercially reasonable efforts to minimize the amount of Agency Fees for which it may seek indemnification. Purchaser shall notify
Seller within seven (7) Business Days of any Agency demands for such Agency Fees (to the extent Seller has responsibility hereunder
to pay all or a portion of such fees) imposed on or after the applicable Servicing Transfer Date and permit Seller to reasonably
contest and/or appeal such demands (to the extent permissible under Applicable Requirements). Purchaser shall lose its right to
seek indemnification hereunder for any such Agency Fees for which it does not provide such notice timely, except to the extent
that Seller has not been prejudiced by such delay. Purchaser and Seller shall pay any Agency Fees for which they are responsible
hereunder at such time and manner as required under Applicable Requirements.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena111_v1"></A>Section
11.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Other Indemnification Provisions; Exclusive Remedy.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Other than to seek to compel performance
a Party&rsquo;s obligations under the Agreement, and except as provided in <U>Section 10.02</U>, the indemnification and cure and
repurchase provisions of this <U>Article XI</U> shall be the sole and exclusive remedies of each Party and their respective Related
Parties (a) for any breach of any representation, warranty, covenant or agreement by the other Party contained in this Agreement
or the Transaction Documents and (b) arising out of the Transactions, either under this Agreement, at law or in equity. For the
avoidance of doubt, the right of any Person to receive an indemnification payment or payment in connection with a repurchase under
this <U>Article XI</U> shall not create a right to offset against such indemnification or repurchase payment any fee or payment
payable by such Person under this Agreement; <U>provided</U>, <U>however</U>, that such Person shall have a right to offset against
such payment any such fee or payment payable by such Person under this Agreement to the extent that such payment (i) has been agreed
to by the Parties in writing or (ii) has been determined pursuant to a final and nonappealable award or decision by an arbitrator
in accordance with <U>Section 12.10</U> or, if applicable, a court of competent jurisdiction.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena112_v1"></A>Section
11.08</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Allocation of Liabilities; Limitations on Indemnification Obligations.</U></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding any other provision in this Agreement to the contrary, Seller shall not be
required to indemnify Purchaser and its Related Parties pursuant to <U>Section 11.02</U> (exclusive of Uncapped Seller Amounts),
or to make any payments pursuant to <U>Section 11.06 </U>(exclusive of Seller Paid Agency Fees), for an aggregate amount in excess
of $150 million, subject to adjustment as provided in this <U>Section 11.08</U> (as so adjusted, the &ldquo;<U>Cap</U>&rdquo;).
Any Losses that are directly incurred by Seller as a result of third-party claims that are asserted against Seller of a nature
described by clauses (c), (d) and (f) of <U>Section 11.03</U> (in other words, claims that would be indemnifiable if the Cap had
been exceeded, but are not indemnifiable because the Cap has not yet been exceeded) shall be deemed to reduce the amount of the
Cap on a dollar-for-dollar basis; <U>provided</U>, <U>however</U>, that to the extent that such Losses are finally adjudicated
by a court of competent jurisdiction (or, if applicable, by the relevant arbitrator) to be the result of the gross negligence or
willful misconduct of Seller, then such Losses shall not be deemed to reduce the amount of the Cap. For example, if a third-party
claim is asserted against Seller in respect of an act or omission by Seller that takes place prior to the related Servicing Transfer
Date in respect of any of certain Mortgage Servicing Rights and Seller incurs a Loss of $50,000 in connection with its defense
and settlement of such claim, the Cap shall be reduced by $50,000. Seller shall provide Purchaser, as Purchaser may reasonably
request, with reasonable periodic reports of Losses borne directly by Seller that reduce the Cap pursuant to this <U>Section 11.08(a)</U>.</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Cap shall not apply to Seller Paid Agency Fees, Uncapped Seller Amounts or any Losses
relating to indemnification claims made under (i) <U>Section 11.02(d)</U> (but only insofar as such claims are not initiated by
or on behalf of the Agencies, but instead are initiated by other Governmental Entities), (ii) <U>Section 11.02(f)</U> or (iii)
<U>Section 11.02(g)</U>. In the event that the unpaid principal balance of the Mortgage Loans (other than the Pipeline Mortgage
Loans) relating to the Purchased Assets sold hereunder (as reflected in the Mortgage Loan Schedule and not taking into account
any payoffs or amortization of such Mortgage Loans after the Effective Date) is less than 85% of the total aggregate unpaid principal
balance of the Mortgage Loans (other than the Pipeline Mortgage Loans) eligible for sale hereunder as of the Effective Date (and
reflected on <B>Exhibit A</B>) assuming that all of the conditions set forth in <U>Article VIII</U> and <U>IX</U> were met, Seller
and Purchaser agree to negotiate in good faith on an amount by which the amount of the Cap shall be reduced. </FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena113_v1"></A>Section
11.09</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Survival.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The indemnification obligations of Seller
and Purchaser under <U>Section 11.02</U> and <U>11.03</U>, respectively, shall survive the related Sale Date, and continue in full
force and effect for a period of thirty-six (36) months thereafter, except in the case of indemnification obligations under <U>Sections
11.02(d)</U> (but only insofar as claims are made in respect of Actions initiated by Governmental Entities other than the Agencies),
<U>11.02(f)</U>, <U>11.02(g)</U> and <U>11.03(f)</U>, which shall survive indefinitely, and in the case of indemnification obligations
under <U>Sections 11.02(a)</U> or <U>11.03(a)</U>, to the extent relating to a breach of Fundamental Reps (which Fundamental Reps
shall survive indefinitely). The foregoing limitations shall not apply with respect to those specific pending claims for indemnification
for which the requisite written notice was given by either Party to the other Party on or prior to the end of the applicable survival
period and as to which Losses have begun to accrue. The Parties&rsquo; respective covenants and agreements contained in this Agreement
to be performed at or after the related Sale Date, shall survive indefinitely unless otherwise set forth herein; <U>provided</U>,
<U>however</U>, that any such survival shall not be deemed, directly or indirectly, to affect the survival periods specifically
applicable to claims with respect to representations and warranties and indemnities provided in this <U>Section 11.09</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena114_v1"></A>Section
11.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Treatment of Indemnity Payments.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Amounts paid under this <U>Article XI</U>
shall be treated as adjustment to the Purchase Price and the Parties will report such payments consistent with such treatment,
unless there is no basis for doing so under applicable law.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena115_v1"></A>Section
11.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Limitation of Damages.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">NOTWITHSTANDING
ANYTHING CONTAINED HEREIN TO THE CONTRARY, THE PARTIES AGREE THAT NEITHER PARTY SHALL BE LIABLE TO THE OTHER FOR ANY PUNITIVE OR
EXEMPLARY DAMAGES WHATSOEVER, OR NONFORESEEABLE CONSEQUENTIAL OR SPECIAL DAMAGES, OR CONSEQUENTIAL OR SPECIAL DAMAGES THAT WOULD
NOT OTHERWISE BE RECOVERABLE IN A CONTRACT ACTION, IN EACH CASE WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY),
OR ANY OTHER LEGAL OR EQUITABLE PRINCIPLE; <U>PROVIDED</U>, <U>HOWEVER</U>, THAT SUCH LIMITATION SHALL NOT BE APPLICABLE WITH RESPECT
TO THIRD PARTY CLAIMS MADE AGAINST A PARTY THAT IS SUBJECT TO AN INDEMNIFICATION OBLIGATION PROVIDED FOR UNDER <U>SECTION 11.02</U>
OR <U>11.03</U>, AS APPLICABLE. FOR THE AVOIDANCE OF DOUBT, THIS <U>SECTION 11.11</U> SHALL NOT BE DEEMED TO LIMIT THE PROVISIONS
SECTION 10.02(B) RELATING TO THE TERMINATION FEE.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-transform: uppercase; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: none; color: black"><A NAME="ocwena116_v1"></A>ARTICLE
XII</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">MISCELLANEOUS</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena117_v1"></A>Section
12.01</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Costs and Expenses.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Each of the Parties hereto shall bear
its own fees, expenses and commissions of financial, legal and accounting advisors and other outside consultants incurred in connection
with the due diligence, negotiation and execution of this Agreement and the Transactions. In addition, Seller shall be responsible
for all costs, fees and expenses relating to: (i) file shipping costs and image transfer costs in connection with the sale of the
Mortgage Servicing Rights contemplated herein; (ii) all registration fees or transfer costs assessed by MERS to reflect the transfer
of the Mortgage Loans registered with MERS; (iii) all fees and costs required to generate and deliver (and record) Assignments
of Mortgage instruments to Purchaser (including the reimbursement of Purchaser for any required re-recordings made thereby as provided
in <U>Section 7.01(b)</U>); (iv) transfer fees and expenses (including, for the avoidance of doubt, legal fees) imposed or incurred
by the applicable Investor or rating agencies to process a request for Servicing Agreement Consent; (v) except as provided in <U>Section
7.19</U>, all fees and expenses of Seller&rsquo;s Custodian to transfer the Collateral Files to Purchaser&rsquo;s Custodian, if
applicable; (vi) the cost of Purchaser obtaining tax and flood services contracts and certifications to the extent provided in
<U>Section 7.18</U> and (vii) the filing of transfers of claims by Purchaser as provided in <U>Section 7.03(d)</U>. Except as provided
herein, Purchaser shall be responsible for all costs and expenses pertaining to conduct of the Servicing by Purchaser following
its consummation of the Transactions.</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena118_v1"></A>Section
12.02</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Confidentiality.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Each Party understands that certain information
which it has been furnished and will be furnished in connection with the Transactions, including the Credit and Servicing Files,
information concerning business procedures, servicing fees or prices, Non Public Personal Information and/or Personally Identifiable
Financial Information (as those terms are defined in Sections 573.3(n) and (o) of the Office of Thrift Supervision Regulations
on Privacy of Consumer Information published at 12 C.F.R. Chapter V implementing Title V of the Gramm-Leach-Bliley Act), policies
or plans of the other Party or any of its Affiliates, is confidential and proprietary, and each Party agrees that it will maintain
the confidentiality of such information and will not disclose it to others (except for its Affiliates and its and their respective
directors, managers, officers, employees, financing sources, agents, representatives and advisors who have a need to know such
information) or use it, except in connection with the proposed acquisition contemplated by this Agreement, in accordance with Applicable
Requirements or as such Party reasonably determines necessary as a part of its filing of Securities and Exchange Commission Forms
8-K, 10-Q or 10-K as related to disclosures to investors (or any registration statements filed in connection with offerings of
securities), without the prior written consent of the Party furnishing such information (and provided in connection with such Securities
and Exchange Commission filings, the Party intending to disclose such information shall provide the other Party with drafts of
the relevant portions of such filings sufficiently in advance of such filing to allow the other Party a reasonable opportunity
to review and comment, and shall reasonably consider the comments provided by the other Party). Information which is generally
known in the industry concerning a Party or among such Party&rsquo;s creditors generally or which has been disclosed to the other
Party by third parties who have a right to do so shall not be deemed confidential or proprietary information for these purposes
(<U>provided</U>, <U>however</U>, that the public announcement of such information may be subject to <U>Section 12.14</U>, as provided
therein). If Purchaser, any of its Affiliates or any officer, director, employee or agent of any of the foregoing is at any time
requested or required to disclose any information supplied to it in connection with the Transactions, Purchaser agrees to provide
Seller with prompt notice of such request(s) so that Seller may seek an appropriate protective order and/or waive Purchaser&rsquo;s
compliance with the terms of this <U>Section 12.02</U>. If Seller, any of its Affiliates or any officer, director, employee or
agent of any of the foregoing is at any time requested or required to disclose any information supplied to it in connection with
the Transactions, Seller agrees to provide Purchaser with prompt notice of such request(s) so that Purchaser may seek an appropriate
protective order and/or waive Seller&rsquo;s compliance with the terms of this <U>Section 12.02</U>. Notwithstanding the terms
of this <U>Section 12.02</U>, if, in the absence of a protective order or the receipt of a waiver hereunder, Purchaser or Seller
is nonetheless, in the opinion of its counsel, compelled to disclose information concerning the other Party to any tribunal or
else stand liable for contempt or suffer other censure or penalty, Purchaser or Seller may disclose such information to such tribunal
without liability hereunder. If the proposed acquisition is not consummated, each Party agrees to promptly return to the other,
immediately upon request, all confidential materials, and all copies thereof, which have been furnished to it in connection with
the Transactions.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena119_v1"></A>Section
12.03</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Broker&rsquo;s Fees.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Each Party hereto represents and warrants
to the other that it has made no agreement to pay any finder&rsquo;s, agent&rsquo;s, broker&rsquo;s or originator&rsquo;s fee arising
out of or in connection with the subject matter of this Agreement except, in the case of Seller, J.P. Morgan. The Parties hereto
shall indemnify and hold each other harmless from and against any such obligation or liability and any expense incurred in investigating
or defending (including reasonable attorneys&rsquo; fees) any claim based upon the other Party&rsquo;s actions in connection with
such obligation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena120_v1"></A>Section
12.04</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Notices.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">All notices, requests, demands and other
communications which are required or permitted to be given under this Agreement shall be in writing and shall be deemed to have
been given if personally delivered or sent by registered or certified mail, return receipt requested, postage prepaid or by prepaid
overnight delivery service:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 95%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(a)</FONT></TD>
    <TD STYLE="width: 20%; font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">If to Purchaser,
    to:</FONT></TD>
    <TD STYLE="width: 70%; font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Ocwen Loan
    Servicing, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1661 Worthington Road, Suite 100</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">West Palm Beach, FL 33409</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Facsimile: (561) 682-8177</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Attn:&nbsp; Secretary and General Counsel</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">With a copy to:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Hunton &amp; Williams LLP</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Bank of America Plaza, Suite 3500</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">101 South Tryon Street</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Charlotte, NC 28280</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Facsimile: (704) 378-4890</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Attn: Michael Nedzbala</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(b)</FONT></TD>
    <TD STYLE="font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">If to Seller, to:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">OneWest Bank, FSB</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">888 East Walnut Street</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Pasadena, CA 91101</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Facsimile: (626) 229-1891</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-indent: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Attn:&nbsp; Brian P.
    Brooks</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">With a copy to:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Jones Day</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">North Point&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">901 Lakeside Avenue&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Cleveland, Ohio 44114&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Facsimile:&nbsp; (216) 579-0212&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Attn: Peter E. Izanec&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">or to such other address as Purchaser or Seller shall have
specified in writing to the other.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena121_v1"></A>Section
12.05</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Waivers.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Either Purchaser or Seller may, by written
notice to the other:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Extend the time for the performance of any of the obligations or other transactions of the
other; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Waive compliance with or performance of any of the terms, conditions, covenants or obligations
required to be complied with or performed by the other hereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">The waiver by Purchaser or Seller of
a breach of any provision of this Agreement shall not operate or be construed as a waiver of any other subsequent breach.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena122_v1"></A>Section
12.06</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Entire Agreement; Amendment.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">This Agreement and the Transaction Documents
constitute the entire agreement between the Parties with respect to the sale of the Purchased Assets and the subject matter hereof
and supersede all prior agreements, undertakings, arrangements and understandings, written and oral, by and between Seller (together
with its Related Parties and representatives) and Purchaser (together with its Related Parties and representatives) with respect
thereto. This Agreement may be amended only in a written instrument signed by both Seller and Purchaser.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena123_v1"></A>Section
12.07</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Binding Effect.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">This Agreement shall inure to the benefit
of and be binding upon the Parties hereto and their successors and assigns. Nothing in this Agreement, express or implied, is intended
to confer on any Person other than the Parties hereto and their successors and assigns, any rights, obligations, remedies or liabilities.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena124_v1"></A>Section
12.08</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Headings.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Headings on the Articles and Sections
in this Agreement are for reference purposes only and shall not be deemed to have any substantive effect.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena125_v1"></A>Section
12.09</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Applicable Law.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">This Agreement and the other Transaction
Documents shall be construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the
Parties hereunder shall be determined in accordance with the laws of the State of New York applicable to contracts executed in
and to be performed in that state, except to the extent preempted by Federal law.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena126_v1"></A>Section
12.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Dispute Resolution.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">Any dispute, claim, or controversy arising
out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including the
determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in the city of New
York, New York, before one or three neutral arbitrators as described below. The arbitration shall be administered by JAMS pursuant
to its Comprehensive Arbitration Rules &amp; Procedures, including in appropriate instances as described below, its Streamlined
Arbitration Rules &amp; Procedures (collectively the &ldquo;<U>Rules</U>&rdquo;). Judgment on any award may be entered in any court
having jurisdiction. This clause shall not preclude the parties from seeking provisional remedies in aid of arbitration, or to
enforce the provisions of the Guarantee referenced in the fourth recital of this Agreement, from a court of appropriate jurisdiction
in the city of New York, New York. The Rules shall be supplemented by the provisions described below. In the event of any conflict
between the Rules and the provisions described below, such provisions shall control.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(a)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any dispute in which a claim exceeds five million dollars ($5,000,000) shall be decided by
three (3) neutral arbitrators (each, an &ldquo;<U>Arbitrator</U>&rdquo;) appointed by JAMS in accordance with the Rules. Any dispute
in which a claim is less than five million dollars ($5,000,000) shall be decided by one (1) neutral Arbitrator appointed by JAMS
in accordance with the Rules and shall be governed by JAMS Streamlined Arbitration Rules &amp; Procedures. Any Arbitrator appointed
by JAMS shall be a retired judge or a practicing attorney with no less than fifteen years of experience as an arbitrator;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(b)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For any dispute in which the claim is less than five million dollars ($5,000,000), the Arbitrator
is authorized to render a partial or full summary judgment, in a manner similar to the procedure provided for in Rule 56 of the
Federal Rules of Civil Procedure;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(c)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Arbitrator(s) shall follow the law of the State of New York as designated by the Parties
herein;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(d)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Arbitrator(s) shall have no power or authority, under the Rules or otherwise, to relieve
the Parties from their agreement hereunder to arbitrate or otherwise to amend or disregard any provision of this Agreement, including
the provisions of this <U>Section 12.10</U>;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(e)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Arbitrator(s) shall have the authority to grant injunctive relief and order specific performance;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(f)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Arbitrator(s) shall not have the authority to award consequential, special, exemplary
or punitive damages or any form of damages other than compensatory damages to the extent not permitted pursuant to <U>Section 11.11</U>;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(g)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Party shall pay one-half of the fees and expenses of the Arbitrator(s) and one-half of
the JAMS case management fees, <U>provided</U>, <U>however</U>, that if the Party seeking to recover damages is awarded at least
80% of its requested award, the other Party will bear all of the fees and expense of the Arbitrator(s) and will reimburse the complainant
Party for the reasonable out-of-pocket fees and expenses incurred by such complainant Party in connection with the arbitration,
and if such complainant Party is awarded 20% or less of its requested Award, such complainant Party will bear all of the fees and
expense of the Arbitrator(s) and reimburse the other Party for the reasonable out-of-pocket fees and expenses incurred by such
other Party in connection with the arbitration;</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(h)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The arbitration proceedings and all testimony, filings, documents, and information relating
to or presented during the arbitration proceedings shall be deemed to be information subject to the confidentiality provisions
of this Agreement; and</FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; color: black">(i)</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding the foregoing, in the event that the dispute between the parties involves
the correction of errors pursuant to <U>Section 3.03</U> or <U>Section 7.08</U> of this Agreement, the Parties may elect instead
to jointly engage a mutually acceptable, nationally recognized independent accounting firm to determine such dispute. The selected
accounting firm shall be instructed to reach its determination within thirty (30) days following its engagement and such determination
shall be final and binding on the Parties and shall not be subject to review by any court of law absent manifest error; <U>provided</U>,
<U>however</U>, that: (i) the accounting firm&rsquo;s engagement shall be limited to resolving any amounts in dispute between the
Parties based solely on the information presented by the Parties; <U>provided</U> <U>further</U>, <U>however</U>, that each Party
shall provide the other Party with copies of information in its possession and control, or that could otherwise be reasonably obtained,
with respect to the dispute upon the reasonable written request of such other Party; (ii) the accounting firm shall deliver to
each of the Parties a written report setting forth its determination of the dispute along with any related calculations; and (iii)
the fees, costs, and expenses of the accounting firm shall be allocated to the Parties based on the percentage which the portion
of the disputed amount not awarded to each Party bears to the total amount disputed by such Party. Any request by a Party to adjust
the Purchase Price or such other amounts pursuant to this <U>Section 12.10(i)</U> must be received by the other Party within one
hundred eighty (180) days of the applicable Servicing Transfer Date.</FONT></P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena127_v1"></A>Section
12.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Incorporation of Exhibits and Schedules.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Exhibits and Schedules hereto shall
be incorporated herein and shall be understood to be a part hereof as though included in the body of this Agreement. Except as
expressly contemplated by this Agreement, to the extent that any Exhibit conflicts with the provisions of this Agreement, this
Agreement shall control.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena128_v1"></A>Section
12.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Counterparts.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">This Agreement may be executed in counterparts,
each of which, when so executed and delivered, shall be deemed to be an original and all of which, taken together, shall constitute
one and the same agreement.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena129_v1"></A>Section
12.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Severability of Provisions.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">If any one or more of the covenants,
agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements,
provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and
shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the rights of the Parties
hereto.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena130_v1"></A>Section
12.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Public Announcement.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in">No public release or statement (which,
for the avoidance of doubt, shall not be deemed to include communications only to employees) concerning the subject matter of this
Agreement shall be made by either Party or any of their respective Affiliates or representatives without the express written consent
and approval of the other Party, except as required by applicable law, including the Securities Exchange Act of 1934, judicial
and administrative judgments, orders or remediation plans, or any listing agreement with or rules of any stock exchange, in which
case the Party required to make the release or announcement shall notify the other Party and, to the extent possible, allow the
other Party reasonable time to comment on such release or announcement in advance of such issuance, and such public release or
statement shall further be subject to <U>Section 12.02</U>, if applicable. The Parties shall use all reasonable efforts to (a)
develop a joint communications plan; (b) ensure that all public releases (or portions thereof) and other public statements with
respect to the Transactions shall be consistent with such joint communications plan; and (c) unless otherwise required by applicable
law, judicial and administrative judgments, orders or remediation plans, or any listing agreement with or rules of any stock exchange,
to consult with each other before issuing any public release or otherwise making any public statement with respect to the Transaction
Documents or the Transactions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena131_v1"></A>Section
12.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Assignment.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Neither Party may assign or subcontract
all or any part of this Agreement, or any interest herein, without the prior written consent of the other Party, and any permitted
assignee shall assume the assignor&rsquo;s obligations under this Agreement; <U>provided</U>, that, notwithstanding the foregoing,
Purchaser shall be permitted to assign (a) its rights and interests in (x) following the applicable Servicing Transfer Date, the
Advances and (y) following the applicable Sale Date, the Mortgage Servicing Rights, in each case to be acquired hereunder, to any
of its financing sources as collateral security and (b) following the completion of the transactions, this Agreement and any or
all rights or obligations hereunder (including Purchaser&rsquo;s rights to purchase the Purchased Assets) to one or more Affiliates
of Purchaser, but in either case, no such assignment shall relieve Purchaser of its obligations hereunder.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-indent: -1in"><FONT STYLE="font-size: 10pt; font-weight: normal; text-underline-style: none; color: black"><A NAME="ocwena132_v1"></A>Section
12.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>No Third-Party Beneficiaries.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Except as provided in <U>Section 7.09(b)</U>
relating to Mortgagors, and the provisions of <U>Sections 11.02</U> and <U>11.03</U> relating to Purchaser&rsquo;s Related Parties
and Seller&rsquo;s Related Parties, respectively, this Agreement is for the sole benefit of the Parties and their respective successors
and permitted assigns, and nothing herein expressed or implied shall give or be construed to give to any Person, other than the
Parties and such respective successors and permitted assigns, any rights, remedies, obligations or liabilities under or by reason
of this Agreement. For the avoidance of doubt, Seller and Purchaser acknowledge and agree that Mortgagors are not third party beneficiaries
of this Agreement, except to the extent provided, if any, in <U>Section 7.09(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-align: center">[signatures on following page]</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">IN WITNESS WHEREOF, each of the undersigned
Parties to this Agreement has caused this Agreement to be duly executed in its corporate name by one of its duly authorized officers,
all as of the date first above written.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">OCWEN LOAN SERVICING, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Purchaser</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 5%; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 20%; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">/s/ Nikhil Malik</FONT></TD>
    <TD STYLE="width: 25%; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Nikhil Malik</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Treasurer</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">ONEWEST BANK, FSB</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Seller</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">/s/ Brian Brooks</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Name:&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Brian Brooks</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Vice Chairman</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
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<TYPE>EX-10.1
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<DESCRIPTION>EXHIBIT 10.1
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<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 12pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 4pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 10.1</B></P>

<P STYLE="margin: 0; text-align: right; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-align: right; font: 10pt Times New Roman, Times, Serif"><B> EXECUTION VERSION </B></P>


<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 10pt; text-transform: uppercase; text-align: center">GUARANTEE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Ocwen Financial
Corporation (&ldquo;<U>Guarantor</U>&rdquo;) irrevocably guarantees each and every representation, warranty, covenant, agreement
and other obligation of Purchaser, and/or any of its permitted assigns, and the full and timely performance of their respective
obligations under the provisions of (i)&nbsp;that certain Mortgage Servicing Rights Purchase and Sale Agreement <FONT STYLE="color: black">(the
&ldquo;<U>Purchase Agreement</U>&rdquo;)</FONT>, dated as of June 13, 2013, <FONT STYLE="color: black">by and between Ocwen Loan
Servicing, LLC (&ldquo;<U>Purchaser</U>&rdquo;) and OneWest Bank, FSB (&ldquo;<U>Seller</U>&rdquo;), and (ii) that certain Cooperation
Agreement, made and entered into as of June 13, 2013, between Seller and Purchaser (the &ldquo;<U>Cooperation Agreement</U>&rdquo;
and, together with the Purchase Agreement, the &ldquo;<U>Agreements</U>&rdquo;)</FONT>. The obligations of the Guarantor under
this guarantee are continuing and will remain in full force and effect until the guaranteed obligations in the preceding sentence
have been performed or paid in full. Guarantor acknowledges that it is making this guarantee to induce Seller to enter into the
Agreements and that Guarantor is making this guarantee in consideration of Seller so entering into the Agreements. Capitalized
terms used herein and not otherwise defined shall have the meanings ascribed thereto in the Purchase Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">This is a guarantee
of payment and performance, and not of collection, and the Guarantor acknowledges and agrees that this guarantee is full and unconditional,
and no release or extinguishment of Purchaser&rsquo;s obligations or liabilities (other than in accordance with the terms of the
Agreements), whether by decree in any bankruptcy proceeding or otherwise, shall affect the continuing validity and enforceability
of this guarantee, as well as any provision requiring or contemplating performance by the Guarantor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The Guarantor hereby
waives, for the benefit of Seller, (i) any right to require the Seller, as a condition of payment or performance by the Guarantor,
to proceed against Purchaser or pursue any other remedy whatsoever and (ii) to the fullest extent permitted by law, any defenses
or benefits that may be derived from or afforded by law which limit the liability of or exonerate guarantors or sureties, except
to the extent that any such defense is available to Purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Without limiting
in any way the foregoing guarantee, the Guarantor covenants and agrees to take all actions to enable Purchaser to adhere to each
provision of the Agreements which requires an act or omission on the part of the Guarantor or any of its affiliates to enable Purchaser
to comply with its obligations under the Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The Guarantor represents
that it has all the requisite power and authority to execute this guarantee and to perform the actions required to be performed
by it hereby. The Guarantor has duly executed this guarantee, and this guarantee constitutes a valid and binding obligation of
the Guarantor enforceable against the Guarantor in accordance with its terms except as enforceability may be limited by bankruptcy,
insolvency or other laws affecting generally the enforceability of creditors&rsquo; rights and by limitations on the availability
of equitable remedies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-align: justify; text-indent: 0.5in">The provisions of
Article XII of the Purchase Agreement are incorporated herein, <I>mutatis mutandis</I>, except that notices and other communications
hereunder to the Guarantor shall be delivered to Ocwen Financial Corporation, 1661 Worthington Road, Suite 100, West Palm Beach,
Florida 33409, Attention: Secretary and General Counsel (with a copy as provided therefor in Section 12.4 of the Agreement).</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">AGREED:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">OCWEN FINANCIAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-bottom: 1pt">By:</TD>
    <TD STYLE="width: 24%; border-bottom: Black 1pt solid">/s/ John Britti</TD>
    <TD STYLE="width: 18%; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-bottom: 1pt">Name:&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">John Britti</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD></TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">Title:</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid">Chief Financial Officer and Executive</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">Vice President</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">ONEWEST BANK, FSB</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Brian Brooks</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">Name:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">Brian Brooks</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">Title:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">Vice Chairman</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
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