Exhibit
10.1
 Execution Version




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TABLE OF CONTENTS
 PageARTICLE 1DefinitionsSection 1.01. Defined Terms
    
    
    1Section 1.02. Terms Generally
    
    
    46Section 1.03. Classification of Loans and Borrowings
    
    
    47ARTICLE 2The CreditsSection 2.01. Commitments
    
    
    47Section 2.02. Loans
    
    
    47Section 2.03. Borrowing Procedure
    
    
    49Section 2.04. Evidence of Debt; Repayment of Loans
    
    
    50Section 2.05. Fees
    
    
    50Section 2.06. Interest on Loans
    
    
    51Section 2.07. Default Interest
    
    
    52Section 2.08. Alternate Rate of Interest
    
    
    52Section 2.09. Termination and Reduction of Commitments
    
    
    52Section 2.10. Conversion and Continuation of Borrowings
    
    
    53Section 2.11. Repayment of Term Borrowings
    
    
    54Section 2.12. Voluntary Prepayment
    
    
    55Section 2.13. Mandatory Prepayments
    
    
    56Section 2.14. Reserve Requirements; Change in Circumstances
    
    
    59Section 2.15. Change in Legality
    
    
    61Section 2.16. Breakage
    
    
    61Section 2.17. Pro Rata Treatment
    
    
    62Section 2.18. Sharing of Setoffs
    
    
    62Section 2.19. Payments
    
    
    63Section 2.20. Taxes
    
    
    63Section 2.21. Assignment of Commitments Under Certain Circumstances; Duty to Mitigate
    
    
    66Section 2.22. Letters of Credit
    
    
    68Section 2.23. Cash Collateral
    
    
    72Section 2.24. Defaulting Lenders
    
    
    73
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PageARTICLE 3Representations and WarrantiesSection 3.01. Company Status
    
    
    76Section 3.02. Power and Authority
    
    
    76Section 3.03. No Violation
    
    
    76Section 3.04. Approvals
    
    
    76Section 3.05. Financial Statements; Financial Condition;
Undisclosed Liabilities; Projections
    
    
    77Section 3.06. Litigation
    
    
    79Section 3.07. True and Complete Disclosure
    
    
    79Section 3.08. Use of Proceeds; Margin Regulations
    
    
    79Section 3.09. Tax Returns and Payments
    
    
    79Section 3.10. Compliance with ERISA
    
    
    80Section 3.11. Security Documents
    
    
    80Section 3.12. Properties
    
    
    81Section 3.13. Capitalization
    
    
    81Section 3.14. Subsidiaries
    
    
    81Section 3.15. Compliance with Statutes, Etc.
    
    
    81Section 3.16. Investment Company Act
    
    
    82Section 3.17. Insurance
    
    
    82Section 3.18. Environmental Matters
    
    
    82Section 3.19. Employment and Labor Relations
    
    
    83Section 3.20. Intellectual Property, Etc.
    
    
    83Section 3.21. Indebtedness
    
    
    83Section 3.22. Anti-Terrorism Law
    
    
    84Section 3.23. Servicing Agreements
    
    
    84Section 3.24. Agreements
    
    
    84Section 3.25. Transaction Documents
    
    
    85Section 3.26. Foreign Corrupt Practices Act
    
    
    85ARTICLE 4Conditions of LendingSection 4.01. All Credit Events after the Closing Date
    
    
    85Section 4.02. First Credit Event
    
    
    86ARTICLE 5Affirmative CovenantsSection 5.01. Information Covenants
    
    
    92Section 5.02. Books, Records and Inspections
    
    
    96Section 5.03. Maintenance of Property; Insurance
    
    
    96Section 5.04. Existence; Franchises
    
    
    98Section 5.05. Compliance with Statutes, Etc.
    
    
    98Section 5.06. Compliance with Environmental Laws
    
    
    98Section 5.07. ERISA
    
    
    99Section 5.08. End of Fiscal Years; Fiscal Quarters
    
    
    99Section 5.09. Performance of Obligations
    
    
    99Section 5.10. Payment of Taxes
    
    
    99Section 5.11. Use of Proceeds
    
    
    100
  ii




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PageSection 5.12. Additional Security; Further Assurances; Etc.
    
    
    100Section 5.13. [Reserved]
    
    
    101Section 5.14. [Reserved]
    
    
    101Section 5.15. [Reserved]
    
    
    101Section 5.16. [Reserved]
    
    
    101Section 5.17. [Reserved]
    
    
    101Section 5.18. Maintenance of Company Separateness
    
    
    101Section 5.19. Certain Required Dividends
    
    
    102Section 5.20. Maintenance of Ratings
    
    
    102Section 5.21. Post-Closing Items
    
    
    102ARTICLE 6Negative CovenantsSection 6.01. Liens
    
    
    103Section 6.02. Consolidation, Merger, Purchase or Sale of Assets, Etc.
    
    
    107Section 6.03. Dividends
    
    
    110Section 6.04. Indebtedness
    
    
    111Section 6.05. Advances, Investments and Loans
    
    
    115Section 6.06. Transactions with Affiliates
    
    
    120Section 6.07. Capital Expenditures
    
    
    120Section 6.08. Interest Expense Coverage Ratio
    
    
    121Section 6.09. Total Leverage Ratio
    
    
    122Section 6.10. Modifications of Certain Agreements
    
    
    123Section 6.11. Limitation on Certain Restrictions on Subsidiaries
    
    
    123Section 6.12. Limitation on Issuance of Equity Interests
    
    
    124Section 6.13. Business; Etc.
    
    
    124Section 6.14. Limitation on Creation of Subsidiaries
    
    
    125Section 6.15. Prepayments of Other Indebtedness
    
    
    126ARTICLE 7Events of DefaultSection 7.01. Events of Default
    
    
    126ARTICLE 8The Administrative Agent and the Collateral Agent
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PageARTICLE 9MiscellaneousSection 9.01. Notices; Electronic Communications
    
    
    133Section 9.02. Survival of Agreement
    
    
    136Section 9.03. Binding Effect
    
    
    136Section 9.04. Successors and Assigns
    
    
    136Section 9.05. Expenses; Indemnity
    
    
    143Section 9.06. Right of Setoff
    
    
    144Section 9.07. Applicable Law
    
    
    145Section 9.08. Waivers; Amendment
    
    
    145Section 9.09. Interest Rate Limitation
    
    
    147Section 9.10. Entire Agreement
    
    
    148Section 9.11. WAIVER OF JURY TRIAL
    
    
    148Section 9.12. Severability
    
    
    148Section 9.13. Counterparts
    
    
    148Section 9.14. Headings
    
    
    148Section 9.15. Jurisdiction; Consent to Service of Process
    
    
    149Section 9.16. Confidentiality
    
    
    149Section 9.17. Lender Action
    
    
    150Section 9.18. USA PATRIOT Act Notice
    
    
    150
 SCHEDULE 1.01(a)
    
    Lenders and CommitmentsSCHEDULE 1.01(b)
    
    Lender AddressesSCHEDULE 1.01(c)
    
    Continuing Letters of CreditSCHEDULE 1.01(d)
    
    KnowledgeSCHEDULE 3.06
    
    LitigationSCHEDULE 3.09
    
    Certain Tax MattersSCHEDULE 3.11(c)
    
    Mortgage Filing OfficesSCHEDULE 3.12
    
    Real PropertySCHEDULE 3.14
    
    SubsidiariesSCHEDULE 3.17
    
    InsuranceSCHEDULE 3.21
    
    Existing IndebtednessSCHEDULE 3.23
    
    Certain Servicing AgreementsSCHEDULE 4.02(a)
    
    List of CounselSCHEDULE 5.01
    
    ReportingSCHEDULE 6.01
    
    Existing LiensSCHEDULE 6.05
    
    Existing InvestmentsSCHEDULE 6.11
    
    Certain Restrictive Agreements
  iv




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EXHIBIT A
    
    Form of Borrowing RequestEXHIBIT B
    
    Form of Intercreditor AgreementEXHIBIT C
    
    Form of Subsidiaries GuarantyEXHIBIT D
    
    Form of Pledge AgreementEXHIBIT E
    
    Form of Security AgreementEXHIBIT F
    
    Form of Intercompany Subordination AgreementEXHIBIT G
    
    Form of Compliance CertificateEXHIBIT H
    
    Form of Assignment and AcceptanceEXHIBIT I
    
    Form of Intercompany NoteEXHIBIT J
    
    Form of Administrative QuestionnaireEXHIBIT K
    
    Form of Solvency CertificateEXHIBIT L
    
    Form of Servicing Rights Acknowledgement AgreementEXHIBIT M
    
    Procedures for Dutch Auction
  v




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Borrower Administrative Agent Collateral Agent
   ARTICLE 1  Definitions
 . Defined Terms.
 ABR
 Acquired Entity or Business




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Acquisition
 Additional Security Documents
 Adjusted Consolidated Net Income
            2




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Adjusted LIBO Rate
 Administrative Agent
 Administrative Agent Fees
 Administrative Questionnaire
 Affiliate
 Agents
 Aggregate Revolving Credit Exposure
 Agreement
  3




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Alternate Base Rate provided that
 Anti-Terrorism Laws
 Applicable Equity Issuance Prepayment Percentage provided
 Applicable Excess Cash Flow Prepayment Percentage provided
 Applicable Margin
 Approved Takeout Investor
 Asset Sale
  4




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Assignment and Acceptance
 Authorized Officer
 Available Amount Determination Date
 less plus provided minus
  Bankruptcy Code
 Borrower
 Borrower Materials
 Borrower Notice
  5




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Borrowing
 Borrowing Request
 Breakage Event
 Business Day provided, however,
 Calculation Period Pro Forma
 Capital Expenditures
 Capitalized Lease Obligations
 Cash Collateralize Cash Collateral
  6




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Cash Equivalents provided
 CERCLA et seq
 Change in Adjusted Consolidated Working Capital
  7




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Change in Law provided
 Change of Control
 Charges
 Claims
 Class
 Closing Date
 Co-Documentation Agents
 Code
 Collateral
  8




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Collateral Agent
 Collections
 Commitment
 Commitment Fee
 Commitment Letter
 Communications
 Company
 Comparably Favorable
 Confidential Information Memorandum
 Consolidated EBITDA
      9




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10




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provided
      11




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Consolidated Indebtedness provided i.e.
 Consolidated Interest Expense e.g. plus
  12




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Consolidated Net Income provided Pro Forma
 Contingent Obligation primary obligations primary
obligor provided, however
  13




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Continuing Directors
 Continuing Letters of Credit
 Credit Documents
 Credit Event
 Credit Facilities
 Credit Party
 Debtor Relief Laws
 Default
 Defaulting Lender
  14




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provided provided
 Delinquency Advance
 Determination Date
 Dividend
  15




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Dollars $
 Domestic Subsidiary
 Dutch Auction
 Eligible Assignee provided
 Eligible Hedge Counterparty
 Environmental Claims Claims
  16




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Environmental Law et seq et seq et seq et seq et seq et seq et
seq et seq et seq
 Equity Interests
 Equity Issuance
 ERISA
 ERISA Affiliate
 ERISA Event
  17




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Eurodollar
 Event of Default
 Evidence of Flood Insurance
 Excess Cash Flow provided provided that
  18




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Excess Cash Flow Payment Date
 Excess Cash Flow Payment Period
 Exchange Act
 Excluded Collateral
 Excluded Subsidiary
 Excluded Taxes
 Executive Order
  19




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Existing Fannie Mae Credit Agreement
 Existing Indebtedness
 Existing Receivables Loan Agreement
 Existing Receivables Purchase Agreement
 Existing Warehouse Loan Agreement
 Fair Market Value provided, however
 Fannie Mae
  20




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Fannie Mae Credit Agreements provided
 Fannie Mae Documents
 Fannie Mae Loans
 Fannie Mae Servicer Entity
 FATCA
 Federal Funds Effective Rate
 Fee Letter
 Fees
 FINRA
  21




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Flood Determination Form
 Flood Documents
 Foreign Lender
 Foreign Pension Plan
 Foreign Subsidiary
 Fronting Exposure
 GAAP
 Government Sponsored Entity
 Governmental Authority
 Granting Lender
 Green Tree Advance Receivables II LLC
 Green Tree Servicing LLC
  22




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Hazardous Materials
 Hedge Provider
 Hedge Receipts
 Heritage Walter Securitization Trust
 Indebtedness provided i.e.
  23




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Indemnified Taxes
 Indemnitee
 Information
 Intercompany Debt
 Intercompany Loans
 Intercompany Note
 Intercompany Subordination Agreement
 Intercreditor Agreement
 Interest Expense Coverage Ratio provided Pro Forma Pro Forma Pro Forma Pro Forma
 Interest Payment Date
  24




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Interest Period provided, however,
 Interest Rate Protection Agreement
 Investments
 Issuing Bank
 Issuing Bank Fees
 Joint Bookrunners
 Knowledge of the Borrower Knowledge of the Borrower or any of its Subsidiaries Knowledge of the Borrower or each Credit Party
  25




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L/C Commitment
 L/C Disbursement
 L/C Exposure
 L/C Participation Fee
 Lead Arrangers
 Leaseholds
 Lenders
 Letter of Credit
 LIBO Rate provided that
  26




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Lien
 Loans
 Margin Stock
 Material Adverse Effect
 Maximum Rate
 Minimum Collateral Amount
 Monthly Payment
 Moodys
 Mortgage
 Mortgage Policy
 Mortgaged Property
  27




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MSR Call Option
 MSR Documents
 MSR Lender
 MSR Loans
 Multiemployer Plan
 NAIC
 Net Cash Proceeds
 Net Equity Proceeds
  28




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Net Sale Proceeds provided, however
 NFIP
 Non-Defaulting Lender
 Non-Recourse Entities
 Non-Recourse MSR Loans
 Non-Recourse Securitization Debt
  29




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Non-Recourse Servicer Advance Debt
 Non-Recourse Servicer Advance Debt Entity
 Non-Recourse Servicer Advance Documents
 Non-Recourse Short-Term Warehouse Debt
 Non-Recourse Warehouse Debt Entity
 Non-Wholly Owned Subsidiary
 Notes
 Obligations
  30




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OFAC
 Other Hedging Agreements
 Other Taxes
 PBGC
 Permitted Acquisition provided
  31




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Permitted Encumbrance
 Permitted Equity Issuance
 Permitted Foreign Acquisition provided
  32




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Permitted Liens
 Permitted Refinancing provided
     (mutatis mutandis
  Person
 Plan
 Platform
 Pledge Agreement
  33




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Pledge Agreement Collateral
 Pledgee
 Preferred Equity
 Prepayment Fee
 Prime Rate
 Pro Forma Basis
   34




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provided
 provided
  35




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Pro Rata Percentage
 Projections
 Property
 Protective Advance
 Public Lender
 Purchase Agreement
 Qualified Equity Interests
  36




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Real Property
 Receivable
 Receivables Purchase Agreement
 Recovery Event
 Register
 Regulation D
 Regulation T
 Regulation U
 Regulation X
 Regulatory Supervising Organization
 REIT Subsidiary
  37




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Related Fund
 Related Parties
 Release
 REO Property
 Repayment Date
 Reportable Event
 Required Lenders provided that
 Residential Mortgage
 Residential Mortgage Loan
 Residential Mortgage Note
  38




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Restricted
 Returns
 Revolving Credit Borrowing
 Revolving Credit Commitment
 Revolving Credit Exposure
 Revolving Credit Lender
 Revolving Credit Maturity Date provided
 Revolving Loans
 S&P
 SEC
 Second Lien Credit Agreement
 Second Lien Credit Documents
  39




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Secured Creditors
 Securities Act
 Securitization Vehicle
 Securitization Vehicle Assets
 Security Agreement
 Security Agreement Collateral
 Security Document
 Seller
 SerVertis Funds
  40




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Servicing Agreement
 Servicing Rights
 Servicing Rights Acknowledgement Agreement
 Short-Term Warehouse Debt
 Short-Term Warehouse Documents
  41




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Significant Asset Sale
 Specified Credit Agreement
 Specified Contingent Liabilities
 SPV
 Statutory Reserves
 Subordinated Seller Advance Loans
 Subordinated Seller Advance Note
 Subsidiaries Guaranty
  42




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Subsidiary
 Subsidiary Guarantor
 Syndication Agent
 Target
 Taxes
 Term Borrowing
 Term Lender
 Term Loan Commitment
 Term Loan Maturity Date provided
 Term Loans
  43




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Test Period provided provided further Pro Forma Pro Forma Pro Forma Pro Forma Pro Forma Pro Forma
 Total Leverage Ratio provided Pro Forma Pro Forma
 Total Revolving Credit Commitment
 Transactions
  44




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Transferred Assets
 Transferred Receivables
 Type
 UCC
 Uniform Customs
 United States U.S.
 Unrestricted
 USA PATRIOT Act
 Weighted Average Life to Maturity
 Withdrawal Liability
  45




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Wholly-Owned Domestic Subsidiary
 Wholly-Owned Foreign Subsidiary
 Wholly-Owned Subsidiary
 . Terms Generally.
  46




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. Classification of Loans and Borrowings. Revolving Loan e.g. Eurodollar Loan e.g. Eurodollar Revolving Loan e.g. Revolving Credit Borrowing e.g. Eurodollar Borrowing e.g. Eurodollar Revolving Credit Borrowing
 ARTICLE 2  The Credits
 . Commitments. provided
that
 . Loans. provided, however,
 provided that provided, however,
  47




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48




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. Borrowing Procedure. provided that provided,
however,
  49




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. Evidence of Debt; Repayment of Loans.
   provided however
  . Fees. Commitment Fee
  50




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Administrative Agent Fees
 L/C Participation Fee Issuing Bank Fees
  . Interest on Loans.
    51




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. Default Interest.
 . Alternate Rate of Interest.
 . Termination and Reduction of Commitments.
 provided however
  52




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. Conversion and Continuation of Borrowings.
       53




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. Repayment of Term Borrowings. Repayment Date
  54




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. Voluntary Prepayment. provided however
  provided, however, provided further,
  55




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Prepayment Fee
 Prepayment Premium or Feeas a Percentage ofRelevant Period
    
    the Principal Amount Prepaid or AssignedOn or prior to the first
anniversary of the Closing Date
    
    
    2.00
    %After the first anniversary of
the Closing Date and on or prior
to the second anniversary of the
Closing Date
    
    
    1.00
    %
  . Mandatory Prepayments.
  provided, however
  56




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provided
further
 provided
  57




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provided, however provided further
 Equity Issuance Amount provided, however
  58




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provided further
   . Reserve Requirements; Change in Circumstances.
  59




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provided provided further
  60




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. Change in Legality.
     . Breakage. Breakage Event
  61




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. Pro Rata Treatment.
 . Sharing of Setoffs. provided, however,
  62




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. Payments.
  . Taxes.
   63




---



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64




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65




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. Assignment of Commitments Under Certain Circumstances; Duty to Mitigate.
  66




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provided that provided further
   67




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. Letters of Credit. General.
 Notice of Issuance, Amendment, Renewal, Extension; Certain Conditions
 Expiration Date provided, however,
  68




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Participations
 Reimbursement
 Obligations Absolute
      69




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Disbursement Procedures provided
  70




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Interim Interest
 Resignation or Removal of an Issuing Bank
 Cash Collateralization provided that
  71




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Additional Issuing Banks.
 . Cash Collateral.
    72




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provided that provided further
 . Defaulting Lenders.
  first second third fourth fifth sixth seventh
  73




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eighth provided that
      74




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provided provided, further,
  ARTICLE 3  Representations and Warranties
   75




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. Company Status.
 . Power and Authority.
 . No Violation.
 . Approvals.
  76




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. Financial Statements; Financial Condition; Undisclosed Liabilities;
Projections.
   77




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78




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. Litigation.
 . True and Complete Disclosure. provided that
 . Use of Proceeds; Margin Regulations.
  . Tax Returns and Payments. Returns
  79




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. Compliance with ERISA.
 . Security Documents.
   80




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. Properties.
 . Capitalization.
 . Subsidiaries.
 . Compliance with Statutes, Etc.
  81




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. Investment Company Act.
 . Insurance.
 . Environmental Matters.
    82




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. Employment and Labor Relations.
 . Intellectual Property, Etc.
 . Indebtedness. Existing Indebtedness
  83




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. Anti-Terrorism Law. Anti-Terrorism Laws Executive Order
     OFAC
   . Servicing Agreements.
 . Agreements.
  84




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. Transaction Documents.
 . Foreign Corrupt Practices Act. Government Official
 ARTICLE 4  Conditions of Lending
  . All Credit Events after the Closing Date. Credit Event
   85




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. First Credit Event.
    86




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Subsidiaries
Guaranty
 Intercompany Subordination Agreement
 Pledge Agreement
  87




---



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Security Agreement
      88




---



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Acquisition Consideration
       89




---



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Company Material Adverse Effect provided, however, provided that provided, further, however,
  90




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##### 



provided
  91




---



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UCC Filing Collateral Stock Certificates
 ARTICLE 5  Affirmative Covenants
  . Information Covenants.
 Monthly Reporting.
 Quarterly Financial Statements
  92




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Annual Financial Statements
 [Reserved]
 Budgets
 Officers Certificates
  93




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Notice of Default, Litigation and Material Adverse Effect.
 Other Reports and Filings SEC
 Environmental Matters
    94




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provided
  Patriot Act Information
 Notice of Termination of or Defaults under a Servicing Agreement and MSR Call Option
 Fannie Mae Servicer Entity Documents
  95




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Second Lien Credit Agreement.
 Other Information
 . Books, Records and Inspections. provided that,
 . Maintenance of Property; Insurance.
   96




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provided
 flood
hazard area Zone 1
    97




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. Existence; Franchises. provided, however
 . Compliance with Statutes, Etc.
 . Compliance with Environmental Laws.
   98




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. ERISA.
  . End of Fiscal Years; Fiscal Quarters.
 . Performance of Obligations.
 . Payment of Taxes. provided
  99




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. Use of Proceeds.
 . Additional Security; Further Assurances; Etc. Additional Security Documents
    100




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Flood Documents Flood Determination Form Borrower Notice NFIP e.g. Evidence of Flood
Insurance
 provided
 . [Reserved].
 . [Reserved].
 . [Reserved]
 [Reserved].
 [Reserved].
 . Maintenance of Company Separateness.
  101




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. Certain Required Dividends.
 . Maintenance of Ratings.
 . Post-Closing Items.
  102




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ARTICLE 6  Negative Covenants
  . Liens. provided Permitted Liens
   provided
  103




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provided
 provided
      104




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provided
  provided
     105




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provided
 provided
 provided
  provided mutatis mutandis
 provided
   106




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. Consolidation, Merger, Purchase or Sale of Assets, Etc.
    provided
  107




---



##### 



108




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provided
 provided
   109




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. Dividends.
   provided
 provided
  110




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Pro Forma
 . Indebtedness.
  provided
 bona fide
  111




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provided
  provided
 provided
    112




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Pro Forma
 Pro Forma
  113




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Pro Forma
   provided
  114




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. Advances, Investments and Loans. Investment Investments
        115




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Intercompany Loans provided
 provided
  116




---



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provided Pro Forma
  117




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Pro Forma
  118




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provided Pro Forma
 provided Pro Forma
  119




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. Transactions with Affiliates.
     . Capital Expenditures. provided first second
  120




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Pro Forma
    . Interest Expense Coverage Ratio.
 Fiscal Quarter Ending
    
    RatioSeptember 30, 2011
    
    
    2.25:1.00December 31, 2011
    
    
    2.25:1.00March 31, 2012
    
    
    2.25:1.00June 30, 2012
    
    
    2.25:1.00September 30, 2012
    
    
    2.25:1.00December 31, 2012
    
    
    2.25:1.00March 31, 2013
    
    
    2.50:1.00June 30, 2013
    
    
    2.50:1.00September 30, 2013
    
    
    2.50:1.00December 31, 2013
    
    
    2.50:1.00March 31, 2014
    
    
    2.50:1.00June 30, 2014
    
    
    2.50:1.00September 30, 2014 and the last day of each fiscal quarter of
the Borrower thereafter
    
    
    2.75:1.00
  121




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Pro Forma
 . Total Leverage Ratio.
 Fiscal Quarter Ending
    
    RatioSeptember 30, 2011
    
    
    4.50:1.00December 31, 2011
    
    
    4.50:1.00March 31, 2012
    
    
    4.50:1.00June 30, 2012
    
    
    4.50:1.00September 30, 2012
    
    
    4.25:1.00December 31, 2012
    
    
    4.25:1.00March 31, 2013
    
    
    4.00:1.00June 30, 2013
    
    
    4.00:1.00September 30, 2013
    
    
    3.75:1.00December 31, 2013
    
    
    3.75:1.00March 31, 2014
    
    
    3.50:1.00June 30, 2014
    
    
    3.50:1.00September 30, 2014
    
    
    3.25:1.00December 31, 2014
    
    
    3.25:1.00March 31, 2015 and the last day of each fiscal quarter of the
Borrower thereafter
    
    
    3.00:1.00
 Pro Forma
  122




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. Modifications of Certain Agreements.
   . Limitation on Certain Restrictions on Subsidiaries.
  123




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. Limitation on Issuance of Equity Interests.
  . Business; Etc.
 provided
  124




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##### 



provided
 provided
 . Limitation on Creation of Subsidiaries. provided provided further
  125




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##### 



provided that
 . Prepayments of Other Indebtedness.
 ARTICLE 7  Events of Default
 . Events of Default. Event of Default
 Payments
 Representations, etc
  126




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##### 



Covenants
 Default Under Other Agreements provided
 Bankruptcy, etc
  127




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##### 



ERISA
 Security Documents
 Guaranties
 Judgments
 Intercreditor Agreement.
 Change of Control
  128




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##### 



provided
 ARTICLE 8  The Administrative Agent and the Collateral Agent
 Agents
  129




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##### 



provided
  130




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##### 



131




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##### 



132




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##### 



ARTICLE 9  Miscellaneous
 . Notices; Electronic Communications.
 kperez@walterinvestment.com
 agency.loanops@credit-suisse.com
    133




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##### 



Communications
 Borrower Materials Platform Public Lender
  134




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##### 



135




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##### 



. Survival of Agreement.
 . Binding Effect.
 . Successors and Assigns.
 provided, however, provided,
  136




---



##### 



provided that provided, that
  137




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##### 



Register
  138




---



##### 



provided however Participant Register provided that
  139




---



##### 



provided that
 Granting
Lender SPV provided that
  140




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##### 



provided, however,
     141




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##### 



142




---



##### 



. Expenses; Indemnity.
 Indemnitee provided
  143




---



##### 



provided that
   . Right of Setoff. provided
  144




---



##### 



. Applicable Law. UNIFORM CUSTOMS
 . Waivers; Amendment.
  145




---



##### 



provided, however, Required Lenders provided further
 Extending Lender
  146




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##### 



Refinanced Term Loans Replacement
Term Loans provided
  . Interest Rate Limitation. Charges Maximum Rate
  147




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##### 



. Entire Agreement.
 . WAIVER OF JURY TRIAL.
 . Severability.
 . Counterparts.
 . Headings.
  148




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##### 



. Jurisdiction; Consent to Service of Process. provided
   . Confidentiality.
  149




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##### 



Information provided that
 . Lender Action.
 . USA PATRIOT Act Notice.
  150




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##### 



WALTER INVESTMENT
MANAGEMENT CORP., as BorrowerBy:
    /s/ Denmar J. DixonName:
    Denmar J. DixonTitle:
    Vice Chairman and Executive Vice President 
 Company
 th
  /s/ Peggy W. Matte

Signature of notary public




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##### 



CREDIT SUISSE AG, CAYMAN ISLANDS
BRANCH, individually and as
Administrative Agent, Collateral Agent
and Issuing BankBy:
    /s/ Robert HetuName:
    Robert HetuTitle:
    Managing Director By:
    /s/ Rahul ParmarName:
    Rahul ParmarTitle:
    Associate




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##### 



THE ROYAL BANK OF SCOTLAND PLCBy:
    /s/ Michael CavounisName:
    Michael CavounisTitle:
    Authorized Signatory




---



##### 



MORGAN STANLEY BANK, N.A.By:
    /s/ Wissam B. KairouzName:
    Wissam B. KairouzTitle:
    Authorized Signatory




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##### 



BANK OF AMERICA, N.A.By:
    /s/ William SooName:
    William SooTitle:
    Vice President