EX-10.2



 Exhibit 10.2 
  

 
  

SUBSERVICING SUPPLEMENT 

dated as of October 25, 2013 

between 
 OCWEN LOAN
SERVICING, LLC 
 and 

HLSS HOLDINGS, LLC 
  

 
  







 CONTENTS 
  

							
	Clause	 	 	  	Page	 
			
	 ARTICLE I.
	 	 DEFINITIONS
	  	 	1	  
			
	 1.1
	 	Definitions	  	 	1	  
			
	 ARTICLE II.
	 	 SUBSERVICING
	  	 	3	  
			
	 2.1
	 	Engagement as Subservicer	  	 	3	  
			
	 2.2
	 	Servicing Transfer Procedures	  	 	3	  
			
	 2.3
	 	Reference to Master Subservicing Agreement	  	 	3	  
			
	 ARTICLE III.
	 	 SERVICING FEES
	  	 	3	  
			
	 3.1
	 	Base Subservicing Fee	  	 	3	  
			
	 3.2
	 	Performance Fee	  	 	4	  
			
	 ARTICLE IV.
	 	 MISCELLANEOUS
	  	 	4	  
			
	 4.1
	 	Incorporation	  	 	4	  
			
	 4.2
	 	Third Party Beneficiaries	  	 	4	  

  

			
	SCHEDULE I	 	Servicing Agreements
	SCHEDULE II	 	Retained Servicing Fee Percentage
	SCHEDULE III	 	Target Ratio Schedule








 SUBSERVICING SUPPLEMENT 

This SUBSERVICING SUPPLEMENT, dated as of October 25, 2013 (this “Subservicing Supplement”), is by and between HLSS
HOLDINGS, LLC, a Delaware limited liability company (“Servicer”), and OCWEN LOAN SERVICING, LLC, a Delaware limited liability company (“Ocwen”). 

RECITALS: 
 WHEREAS, as of
the applicable Servicing Transfer Date (as defined herein), Servicer will become the servicer of certain Mortgage Loans (as defined in the Master Subservicing Agreement) pursuant to the terms of those certain pooling and servicing agreements or
other servicing agreements listed in Schedule I hereto; and 
 WHEREAS, Servicer and Ocwen are parties to that certain Master
Subservicing Agreement dated as of October 1, 2012 (the “Master Subservicing Agreement”); and 
 WHEREAS, Servicer
desires to engage Ocwen to act as subservicer with respect to the Mortgage Loans relating to those pooling and servicing agreements or other servicing agreements listed in Schedule I hereto, as of the applicable Servicing Transfer Date (as
defined herein), and Ocwen desires to act as subservicer with respect to the Mortgage Loans relating to those pooling and servicing agreements or other servicing agreements, on the terms set forth in the Master Subservicing Agreement, as
supplemented by this Subservicing Supplement. 
 NOW, THEREFORE, in consideration of the premises and mutual agreements hereinafter set
forth and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and intending to be legally bound hereby, Servicer and Ocwen agree as follows: 

ARTICLE I. 

DEFINITIONS. 
 1.1
Definitions. (a) For purposes of this Subservicing Supplement, the following capitalized terms shall have the respective meanings set forth or referenced below. 

“Base Subservicing Fee” has the meaning set forth in Section 3.1. 

“Deferred Servicing Agreement” has the meaning set forth in the Sale Supplement. 

“Excess Servicing Advances” shall mean, for any calendar month, the amount, if any, by which the outstanding Servicing
Advances with respect to the Servicing Agreements as of the last day of such calendar month exceeds an amount equal to (a) the Target Ratio for such calendar month multiplied by (b) the unpaid principal balance of the Mortgage Loans
subject to the Servicing Agreements as of the last day of such calendar month. 

  
 Subservicing
Supplement 








 “Monthly Servicing Fee” shall mean, for each calendar month, the sum of the Base
Subservicing Fee for such calendar month and the Seller Monthly Servicing Fee (as defined in the Sale Supplement) for such calendar month. 

“Performance Fee” has the meaning set forth in Section 3.2. 

“Retained Servicing Fee” shall mean, for any calendar month, an amount equal to the sum of (a) the product of the
Retained Servicing Fee Percentage for such calendar month and the average unpaid principal balance of all Mortgage Loans subject to the Subject Servicing Agreements and the Deferred Servicing Agreements during such calendar month, and (b) the
Retained Servicing Fee Shortfall, if any, for the immediately prior calendar month. 
 “Retained Servicing Fee Percentage”
shall mean, for any calendar month, the percentage set forth on Schedule II to this Subservicing Supplement. 
 “Retained
Servicing Fee Shortfall” shall mean, for any calendar month, beginning in November 2013, an amount equal to the excess, if any, of (a) the Retained Servicing Fee for such calendar month over (b) the excess, if any, of (x) the
aggregate Servicing Fees actually received by Servicer pursuant to the Subject Servicing Agreements and with respect to the Deferred Servicing Agreements during such calendar month (whether directly pursuant to such Subject Servicing Agreement or
pursuant to Sale Supplement, as applicable) over (y) the Monthly Servicing Fee for such calendar month. 
 “Sale
Supplement” shall mean that certain Sale Supplement, dated as of the date hereof, between Servicer and Home Loan Servicing Solutions, Ltd., as Purchasers, and Ocwen, as Seller, as the same may be amended, supplemented or otherwise modified
from time to time. 
 “Scheduled Termination Date” means, with respect to each Subject Servicing Agreement serviced
pursuant to this Subservicing Supplement, the date which is six (6) years after the closing date of the initial acquisition of assets pursuant to the Sale Supplement. 

“Servicing Agreement” shall mean each of the pooling and servicing agreements or other servicing agreements listed in
Schedule I hereto. 
 “Servicing Fees” shall mean, with respect to any Servicing Agreement, the servicing fees
payable to Servicer and Home Loan Servicing Solutions, Ltd. under the Sale Supplement and the Subject Servicing Agreements, including each “servicing fee” payable based on a percentage of the outstanding principal balance of the
Mortgage Loans serviced pursuant to such Servicing Agreement, but excluding any Ancillary Income, Prepayment Interest Excess or any amounts earned in connection with the investment of funds in the related Custodial Accounts and Escrow Accounts. 

“Servicing Transfer Date” shall have the meaning specified in the Sale Supplement. 

“Subject Servicing Agreement” shall mean, as of any date of determination, each Servicing Agreement with respect to which the
Servicing Transfer Date has occurred on or prior to such date and with respect to which the Subservicing Termination Date has not occurred on or prior to such date. 

  
 Subservicing
Supplement 








 “Target Ratio” for each calendar month shall mean the amount specified in
Schedule III with respect to such month. 
 (b) Any capitalized term used but not defined in this Subservicing Supplement shall have
the meaning assigned to such term in the Master Subservicing Agreement. 
 ARTICLE II. 

SUBSERVICING 
 2.1
Engagement as Subservicer. Servicer hereby engages Ocwen to act as subservicer, and Ocwen agrees to act as subservicer, with respect to the Mortgage Loans relating to those certain pooling and servicing agreements or other servicing
agreements listed in Schedule I hereto (the “Subject Servicing Agreements”) pursuant to the terms of the Master Subservicing Agreement, as supplement by this Subservicing Supplement, on and after the related Servicing
Transfer Date for such Subject Servicing Agreement. Except as set forth in this Subservicing Supplement or the Master Subservicing Agreement, Ocwen further agrees to be responsible for performing all of the duties and obligations of Servicer and its
subservicers under each Subject Servicing Agreement, and to meet any standards and fulfill any requirements applicable to Servicer or its subservicer under each Subject Servicing Agreement on and after the related Servicing Transfer Date. 

2.2 Servicing Transfer Procedures. Servicer and Ocwen each covenant and agree to following the Servicing Transfer Procedures agreed
pursuant to the Sale Supplement with respect to each Subject Servicing Agreement. 
 2.3 Reference to Master Subservicing Agreement.
Each of Servicer and Subservicer agrees that (a) this Subservicing Supplement is a “Subservicing Supplement” executed pursuant to Section 2.1 of the Master Subservicing Agreement, (b) the terms of this
Subservicing Supplement are hereby incorporated into the Master Subservicing Agreement with respect to the Subject Servicing Agreements and the related Mortgage Loans to the extent set forth therein, (c) each of the Subject Servicing Agreements
listed in Schedule I is a “Subject Servicing Agreement” as such term is used in the Master Subservicing Agreement on and after the related Servicing Transfer Date, and (d) the terms of this Subservicing Supplement apply to the
Subject Servicing Agreements specified herein and not to any other “Subject Servicing Agreement” as that term is used in the Master Subservicing Agreement. In the event of any conflict between the provisions of this Subservicing Supplement
and the Master Subservicing Agreement, the terms of this Subservicing Supplement shall prevail. 
 ARTICLE III. 

SERVICING FEES 
 3.1
Base Subservicing Fee. As compensation for its services with respect to the Subject Servicing Agreements, Servicer shall pay Ocwen a monthly base subservicing fee for each calendar month during which Ocwen is servicing Mortgage Loans with
respect to Subject Servicing Agreements pursuant to this Subservicing Supplement equal to 12.00% of the aggregate Servicing Fees actually received by Servicer and Home Loan Servicing Solutions, Ltd. pursuant to the Subject Servicing Agreements
during such calendar month (the “Base Subservicing Fee”). 

  
 Subservicing
Supplement 








 3.2 Performance Fee. Servicer shall pay to Ocwen for each calendar month during which
Ocwen is servicing Mortgage Loans with respect to Subject Servicing Agreements pursuant to this Subservicing Supplement a performance fee (the “Performance Fee”) equal to the greater of (a) zero and (b) the excess, if any,
of the aggregate of all Servicing Fees actually received by Servicer pursuant to the Subject Servicing Agreements and with respect to the Deferred Servicing Agreements during such calendar month (whether directly pursuant to such Subject Servicing
Agreement or pursuant to the Sale Supplement, as applicable) over the sum of (i) the Monthly Servicing Fee for such calendar month and (ii) the Retained Servicing Fee for such calendar month, multiplied by (y) a fraction, (i) the
numerator of which is the average unpaid principal balance of all Mortgage Loans subject to the Subject Servicing Agreements during such calendar month and (ii) the denominator of which is equal to the sum of the average unpaid principal
balance of all Mortgage Loans subject to the Deferred Servicing Agreements during such calendar month and the average unpaid principal balance of all Mortgage Loans subject to the Subject Servicing Agreements during such calendar month, or such
other allocation percentage which is agreed by Servicer and Ocwen (the “Allocation Percentage”). The Performance Fee, if any, for any calendar month will be reduced by 3.00% per annum (i.e., 0.25% per month) of the Excess
Servicing Advances, if any, for such calendar month multiplied by the Allocation Percentage, and the amount of any such reduction in the Performance Fee shall be retained by Servicer. If the Closing Date does not occur on the first day of a calendar
month, the Performance Fee for the period from the Closing Date to the last of the calendar month in which the Closing Date occurs shall be calculated in a pro rata manner based on the number of days in such period. 

ARTICLE IV. 

MISCELLANEOUS 
 4.1
Incorporation. The provisions of Article 10 of the Master Subservicing Agreement are hereby incorporated into this Subservicing Supplement by reference, mutatis mutandis, as if its provisions were fully set forth herein. 

4.2 Third Party Beneficiaries. Ocwen and Servicer each acknowledges and agrees that the indenture trustee, on behalf of the holders of
related notes, with respect to any Servicing Advance Facility pursuant to which Servicer has transferred Servicer Advances made pursuant to a Servicing Agreement is an express third party beneficiary of this Subservicing Supplement and the
Subservicing Agreement solely with respect to the Servicing Agreements related to such Servicing Advance Facility. 
 [Signature Page
Follows] 

  
 Subservicing
Supplement 








 IN WITNESS WHEREOF, the parties hereto have caused this Subservicing Supplement to be executed
and delivered as of the date first above written. 
  

					
	HLSS HOLDINGS, LLC
			
		 	By:	 	 /s/ James E. Lauter

		 	Name: James E. Lauter
		 	Title: Senior Vice President and CFO
	
	OCWEN LOAN SERVICING, LLC
			
		 	By:	 	 /s/ Richard L. Cooperstein

		 	Name: Richard L. Cooperstein
		 	Title: Treasurer



  
 Subservicing
Supplement 








 SCHEDULE I 

SERVICING AGREEMENTS 
  

			
	 Investor Number
	 	 Deal Name

	2702	 	Accredited Mortgage Loan Trust 2004-2
	2708	 	NMFT 2003-1
	2712	 	NMFT 2004-1
	2714	 	NMFT 2004-3
	2941	 	ABFC 2001-AQ1
	2942	 	ABFC 2002-SB1
	2970	 	C-BASS 1998-CB1
	2974	 	C-BASS 2001-CB4
	2978	 	C-BASS 2002-CB4
	3047	 	Equity One 2002-3
	3049	 	Equity One 2002-5
	3051	 	Equity One 2003-2
	3053	 	Equity One 2003-4
	3054	 	Equity One 2004-1
	3057	 	Equity One 2004-4
	3059	 	Equity One 2005-1
	3063	 	Equity One 2005-B
	3064	 	Equity One 2005-4
	3068	 	Equity One 2005-6
	3069	 	Equity One 2006-A
	3086	 	Fremont 2003-A
	3089	 	Fremont 2004-B
	3168	 	GSAMP Trust 2005-S2
	3186	 	HOMEGOLD 1999-1
	3189	 	LBMLT 2004-1
	3190	 	LBMLT 2004-3
	3191	 	LBMLT 2004-A
	3198	 	MLMI, 1999-H1
	3199	 	MLMI, Series 1998-GN3
	3239	 	CWABS 2002-05
	3240	 	CWABS 2002-2
	3242	 	CWABS 2002-BC2
	3246	 	CWABS 2005-10
	3248	 	CWABS 2005-8
	3249	 	CWABS 2005-BC1
	3250	 	CWABS 2006-01
	3251	 	CWABS 2006-9
	3252	 	CWALT 2004-01_CWALT 2004-01T1
	3254	 	CWALT 2004-12CB
	3255	 	CWALT 2004-16CB
	3256	 	CWALT 2004-24CB


  
 Sch I-1 









			
	3257	 	CWALT 2004-27CB
	3258	 	CWALT 2004-28CB
	3259	 	CWALT 2004-J1
	3262	 	CWALT 2004-J6
	3265	 	CWALT 2007-4CB
	3268	 	CWMBS 2002-17 ALT 2002-11
	3269	 	CWMBS 2002-20 ALT 2002-12
	3270	 	CWMBS 2002-24 ALT 2002-14
	3271	 	CWMBS 2002-33 ALT 2002-17
	3272	 	CWMBS 2002-35_CHL 2002-35
	3278	 	CWMBS 2003-05 ALT 2003-1T1
	3279	 	CWMBS 2003-09
	3285	 	CWMBS 2003-31 ALT 2003-13T1
	3288	 	CWMBS 2003-38 ALT 2003-17T2
	3289	 	CWMBS 2003-39_CHL 2003-39
	3290	 	CWMBS 2003-44_CHL 2003-44
	3291	 	CWMBS 2003-47 ALT 2003-19CB
	3292	 	CWMBS 2003-51 ALT 2003-20CB
	3296	 	CWMBS 2003-J2_CHL 2003-J2
	3297	 	CWMBS 2003-J5_CHL 2003-J5
	3298	 	CWMBS 2003-J6_CHL 2003-J6
	3299	 	CWMBS 2003-J7_CHL 2003-J7
	3301	 	CWMBS 2004-HYB6_CHL 2004-HYB6
	3302	 	CWMBS 2005-10_CHL 2005-10
	3303	 	CWMBS 2006-1_CHL 2006-1
	3307	 	Popular 2007-A
	3313	 	RAAC 2004-SP1
	3316	 	RAAC 2005-SP3
	3317	 	RAAC 2006-SP1
	3331	 	RALI 2003-QS7
	3341	 	RALI 2002-QS1
	3345	 	RALI 2003-QS14
	3351	 	RALI 2004-QS1
	3355	 	RALI 2004-QS3
	3357	 	RALI 2004-QS6
	3368	 	RAMP 2002-RP1
	3369	 	RAMP 2002-RP2
	3370	 	RAMP 2002-RS1
	3375	 	RAMP 2004-RP1
	3383	 	RAMP 2005-SL1
	3393	 	RAMP/RFSC 2001-RM2
	3394	 	RFMSI 2003-S4
	3396	 	RFMSI 2004-S5
	3398	 	RFMSI 2005-S4
	3405	 	SBMSI 2001-1
	3407	 	SBMSI 2002-WMC1
	3457	 	Equity One 1998-1
	3461	 	Equity One 2002-2
	3462	 	Equity One 2003-1


  
 Sch I-2 









			
	3463	 	Equity One 2004-2
	3465	 	Equity One 2005-A
	3467	 	Equity One 2006-B
	3499	 	Golden National GNABS 98 GN1
	3500	 	Golden Nat’l Series 1998-GN2
	3539	 	WMALT 2005-6
	3540	 	WMALT 2005-7
	3541	 	WMALT 2005-8
	3542	 	WMALT 2005-9
	3543	 	WMALT 2007-01
	3574	 	Nomura 2007-S2
	3576	 	CSFB 2004-FRE1
	3776	 	MSMLT 2006-13ARX
	3780	 	MSMLT 2007-6XS
	3786	 	MSM 2006-17XS
	3794	 	NMFT 2002-3
	3795	 	MSM 2006-16AX
	3798	 	NMFT 2005-2
	3800	 	NMFT 2005-4
	3805	 	NMI 2006-6
	3811	 	MSM 2007-12
	3843	 	SASCO 2002-9
	3844	 	Saxon 99-2
	3848	 	Saxon 00-2
	3851	 	Saxon 01-1
	3852	 	Saxon 01-2
	3875	 	Thornburg Mortgage Securities
	3879	 	Sequoia Mortgage Trust
	10645	 	RAMP 2004-RS7
	10648	 	RAMP 2004-RZ2
	10695	 	RAMP 2005-EFC7
	10708	 	RAMP 2005-NC1
	10840	 	RAMP 2005-RS9
	10442	 	RASC 2001-KS1
	10601	 	RASC 2004-KS7
	10603	 	RASC 2004-KS9
	10876	 	RASC 2007-EMX1
	10882	 	RFMSI 2005-S2
	10887	 	RFMSI 2005-S7
	4975	 	Citigroup Mortgage Loan Trust Inc.
	4709	 	MARM 2004-5
	4715	 	MARM 2005-2
	4543	 	MALT 2004-12
	4712	 	MARM 2004-8
	4695	 	FNBA 2004-AR1
	4713	 	MARM 2004-9
	4704	 	MARM 2004-14
	4702	 	MARM 2004-11
	5145	 	MARM 2005-3


  
 Sch I-3 









			
	4546	 	MALT 2004-3
	4730	 	MASTR 2003-6
	4545	 	MALT 2004-2
	4874	 	BSALTA 2005-3
	4554	 	MALT 2005-2
	4544	 	MALT 2004-13
	42544	 	2011-NC8
	4555	 	MALT 2005-3
	5152	 	RBSGC 2005-A
	4716	 	MARM 2005-6
	4707	 	MARM 2004-3
	41014	 	Wells Fargo Corporate Trust Services
	4717	 	MARM 2005-7
	4531	 	MALT 2002-3
	4696	 	MANA 2007-A2
	4680	 	SEQ 2004-7
	42644	 	Private—Other
	4885	 	GSAA 2005-9
	4530	 	MALT 2002-2
	4757	 	CMLTI 2005-3
	4802	 	Wells Fargo Bank, N.A.
	4706	 	MARM 2004-2
	5053	 	2004-WH14
	4640	 	Bayview 2007-B
	4710	 	MARM 2004-6
	4705	 	MARM 2004-15
	4553	 	MALT 2005-1
	4708	 	MARM 2004-4
	4759	 	CMLTI 2006-AR3
	4736	 	MASTR 2004-3
	42249	 	Amalgamated Bank
	41494	 	BART 2005-11
	4732	 	MASTR 2003-9
	4556	 	MALT 2005-4
	4678	 	SEQ 2004-5
	4535	 	MALT 2003-5
	4542	 	MALT 2004-11
	4778	 	DBALT 2005-AR2
	42643	 	Private—Other
	4747	 	NAAC 2005-AP2
	4641	 	Bayview 2008-A
	5160	 	Bank of America, N.A.
	4549	 	MALT 2004-6
	4536	 	MALT 2003-6
	4940	 	SASCO 2004-18H
	4870	 	BSALTA 2004-12
	4741	 	MASTR 2004-9
	40235	 	1999-D
	4896	 	HVMLT 2004-10


  
 Sch I-4 









			
	4692	 	DMSI 2004-2
	5135	 	2004-NC ARM 6
	4755	 	PRIME 2006-1
	4758	 	CMLTI 2005-5
	4644	 	ARMT 2005-10
	40360	 	The Bank Of New York Mellon
	4787	 	Capstead Mortgage Corporation
	4973	 	Credit Suisse First Boston
	4711	 	MARM 2004-7
	40365	 	The Bank Of New York Mellon
	4642	 	ARMT 2004-5
	4756	 	CMLTI 2004-HYB4
	4685	 	SEQ 2005-3
	40528	 	Amalgamated Bank
	4683	 	SEQ 2005-1
	5144	 	CMLTI 2005-1
	4878	 	BSART 2002-11
	4557	 	MALT 2005-5
	41401	 	CSFB 2005-8
	4629	 	BAFC 2007-3
	5052	 	2004-WH11
	4895	 	HVMLT 2003-1
	4643	 	ARMT 2005-1
	5048	 	2003-WH23
	4800	 	Wells Fargo Corporate Trust Services
	41465	 	Citizens Bank
	4551	 	MALT 2004-8
	4887	 	GSR 2005-5F
	4872	 	BSALTA 2004-6
	4415	 	ZUNI 2006-OA1
	4153	 	CMLTI 2007-SHL1
	4417	 	HSBC BANK USA
	4258	 	OOMLT 2000-1
	4190	 	HALO 2007-AR1
	3868	 	RAYMOND JAMES
	4433	 	DB STRUCTURED PRODUCTS
	4254	 	OMAC 2005-2
	4019	 	AHMIT 2004-1
	3914	 	CITIZENS BANK
	4470	 	LEHMAN BROTHERS BANK WAREHOUSE (BNC)
	4460	 	FMT 2003-7
	4468	 	BNC/LEHMAN NEW
	3896	 	KNBY
	3537	 	CSFB 2003-10
	4038	 	AMRESCO 1997-2
	4248	 	MSML 2006-6AR
	4366	 	SASCO 2004-SC1
	4212	 	HVMLT 2007-6
	3538	 	WAMU 2003-S3


  
 Sch I-5 









			
	4253	 	OMAC 2005-1
	3867	 	E*TRADE
	4377	 	SASCO 2006-GEL3
	4206	 	HOMESTAR 2004-6
	3508	 	PNCMS 1999-10
	3501	 	MGIC INVESTOR SERVICES CORP.
	4449	 	REDDING BANK OF COMMERCE
	4383	 	SBMS 1996-5
	3873	 	WASHINGTON MUTUAL SEC. CORP.
	4203	 	HOMESTAR 2004-3
	4388	 	SBMS 1998-OPT2
	4205	 	HOMESTAR 2004-5
	4445	 	MRF ILLINOIS ONE, LLC
	4201	 	HOMESTAR 2004-1
	3869	 	CHARLES SCHWAB
	4097	 	ARC 2001-BC1
	4259	 	OOMLT 2000-5
	4225	 	MALT 2006-3
	3547	 	CHASE MANHATTAN MTG. CORP.
	4346	 	SAIL 2005-1
	4387	 	SBMS 1998-OPT1
	3516	 	ACE 2005-SN1
	3727	 	MASTR 2006-WMC4
	3725	 	MASTR 2006-WMC3
	10752	 	CMLTI 2007-SHL1
	5286	 	DBALT 2007-3
	10025	 	DBALT 2006-AR2
	10771	 	2005-WH32
	10688	 	BAFC 2005-8
	4502	 	SAIL 2003-BC11 SSA
	10686	 	BAFC 2005-5
	4893	 	GSR 2007-HEL1
	10541	 	RFSC 2003-RM2
	10584	 	2003-WH30


  
 Sch I-6 








 SCHEDULE II 

RETAINED SERVICING FEE PERCENTAGE 
  

									
	 From Month1
	  	To Month	 	  	Retained Fee	 
	 1
	  	 	3	  	  	 	20.75	  
	 4
	  	 	6	  	  	 	20.25	  
	 7
	  	 	9	  	  	 	20.00	  
	 10
	  	 	12	  	  	 	19.50	  
	 13
	  	 	15	  	  	 	19.50	  
	 16
	  	 	18	  	  	 	19.25	  
	 19
	  	 	21	  	  	 	19.00	  
	 22
	  	 	24	  	  	 	18.50	  
	 25
	  	 	27	  	  	 	18.50	  
	 28
	  	 	30	  	  	 	18.00	  
	 31
	  	 	33	  	  	 	18.00	  
	 34
	  	 	36	  	  	 	17.75	  
	 37
	  	 	39	  	  	 	17.75	  
	 40
	  	 	42	  	  	 	17.50	  
	 43
	  	 	45	  	  	 	17.00	  
	 46
	  	 	48	  	  	 	17.00	  
	 49
	  	 	51	  	  	 	17.00	  
	 52
	  	 	54	  	  	 	17.00	  
	 55
	  	 	57	  	  	 	17.00	  
	 58
	  	 	60	  	  	 	17.00	  
	 61
	  	 	63	  	  	 	17.00	  
	 64
	  	 	66	  	  	 	17.00	  
	 67
	  	 	69	  	  	 	17.00	  
	 70
	  	 	72	  	  	 	17.00	  

  

	1 	Starting with November 2013. 


  
 Sch II-1 








 SCHEDULE III 

TARGET RATIO SCHEDULE 
  

					
	 Month2
	  	Target Advance Ratio	 
	 1
	  	 	3.57	% 
	 2
	  	 	3.53	% 
	 3
	  	 	3.48	% 
	 4
	  	 	3.44	% 
	 5
	  	 	3.40	% 
	 6
	  	 	3.35	% 
	 7
	  	 	3.31	% 
	 8
	  	 	3.27	% 
	 9
	  	 	3.23	% 
	 10
	  	 	3.19	% 
	 11
	  	 	3.15	% 
	 12
	  	 	3.11	% 
	 13
	  	 	3.07	% 
	 14
	  	 	3.03	% 
	 15
	  	 	2.99	% 
	 16
	  	 	2.96	% 
	 17
	  	 	2.92	% 
	 18
	  	 	2.88	% 
	 19
	  	 	2.85	% 
	 20
	  	 	2.81	% 
	 21
	  	 	2.78	% 
	 22
	  	 	2.74	% 
	 23
	  	 	2.71	% 
	 24
	  	 	2.67	% 
	 25
	  	 	2.64	% 
	 26
	  	 	2.61	% 
	 27
	  	 	2.57	% 
	 28
	  	 	2.54	% 
	 29
	  	 	2.51	% 
	 30
	  	 	2.48	% 
	 31
	  	 	2.45	% 
	 32
	  	 	2.42	% 
	 33
	  	 	2.39	% 
	 34
	  	 	2.36	% 
	 35
	  	 	2.33	% 
	 36
	  	 	2.30	% 

  

	2 	Starting with November 2013. 


  
 Sch III-1 









					
	 37
	  	 	2.27	% 
	 38
	  	 	2.24	% 
	 39
	  	 	2.21	% 
	 40
	  	 	2.19	% 
	 41
	  	 	2.16	% 
	 42
	  	 	2.13	% 
	 43
	  	 	2.11	% 
	 44
	  	 	2.08	% 
	 45
	  	 	2.05	% 
	 46
	  	 	2.03	% 
	 47
	  	 	2.00	% 
	 48
	  	 	1.98	% 
	 49
	  	 	1.95	% 
	 50
	  	 	1.93	% 
	 51
	  	 	1.90	% 
	 52
	  	 	1.88	% 
	 53
	  	 	1.86	% 
	 54
	  	 	1.83	% 
	 55
	  	 	1.81	% 
	 56
	  	 	1.79	% 
	 57
	  	 	1.77	% 
	 58
	  	 	1.74	% 
	 59
	  	 	1.72	% 
	 60
	  	 	1.70	% 
	 61
	  	 	1.68	% 
	 62
	  	 	1.66	% 
	 63
	  	 	1.64	% 
	 64
	  	 	1.62	% 
	 65
	  	 	1.60	% 
	 66
	  	 	1.58	% 
	 67
	  	 	1.56	% 
	 68
	  	 	1.54	% 
	 69
	  	 	1.52	% 
	 70
	  	 	1.50	% 
	 71
	  	 	1.50	% 
	 72
	  	 	1.50	% 


  
 Sch III-2