EX-10.9.5





 Exhibit 10.9.5 

EXECUTION VERSION 

AMENDMENT NO. 5 
 TO
MASTER REPURCHASE AGREEMENT 
 Amendment No. 5 to Master Repurchase Agreement, dated as of December 15, 2017 (this
“Amendment”), by and between Bank of America, N.A. (“Buyer”) and United Shore Financial Services, LLC (“Seller”). 

RECITALS 
 Buyer and
Seller are parties to that certain Master Repurchase Agreement, dated as of December 31, 2014 (as amended from time to time, the “Existing Master Repurchase Agreement”; and as amended by this Amendment, the “Master
Repurchase Agreement”). 
 Buyer and Seller have agreed, subject to the terms and conditions of this Amendment, that the Existing
Master Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Master Repurchase Agreement. 

Accordingly, Buyer and Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing
Master Repurchase Agreement is hereby amended as follows: 
 SECTION 1.     Interpretation; Principles of
Construction. Section 1.2 of the Existing Master Repurchase Agreement is hereby amended by deleting the final paragraph in its entirety and replacing it with the following: 

This Agreement is the result of negotiations among, and has been reviewed by counsel to, Buyer and Seller, and is the product of all parties.
In the interpretation of this Agreement, no rule of construction shall apply to disadvantage one party on the ground that such party proposed or was involved in the preparation of any particular provision of this Agreement or this Agreement itself.
Except where otherwise expressly stated, Buyer may give or withhold, or give conditionally, approvals and consents and may form opinions and make determinations at its sole and absolute discretion. Any requirement of good faith, discretion or
judgment by Buyer shall not be construed to require Buyer to request or await receipt of information or documentation not immediately available from or with respect to Seller, a servicer of the Purchased Mortgage Loans, any other Person or the
Purchased Assets themselves. All references herein or in any Principal Agreement to “good faith” means good faith as defined in Section 1-201(b)(20) of the Uniform Commercial Code. 

SECTION 2.     Most Favored Status. Sections 2.9 and 9.16 of the Existing Master Repurchase Agreement
are hereby amended by deleting such sections in their respective entireties and replacing them with the following: 
 [Reserved]. 












 SECTION 3.     Representations and Warranties Concerning Seller.
Section 8.1 of the Existing Master Repurchase Agreement is hereby amended by adding the following new clauses (cc) and (dd) at the end thereof: 

(cc)     No Sanctions. Neither Seller nor any of its Affiliates, officers, directors, partners or members,
(i) is an entity or person (or to the Seller’s knowledge, owned or controlled by an entity or person) that (A) is currently the subject of any economic sanctions administered or imposed by the Office of Foreign Assets Control of the
U.S. Department of the Treasury, the U.S. Department of State, the United Nations Security Council, the European Union, Her Majesty’s Treasury or any other relevant authority (collectively, “Sanctions”) or (B) resides, is
organized or chartered, or has a place of business in a country or territory that is currently the subject of Sanctions or (ii) is engaging or will engage in any dealings or transactions prohibited by Sanctions or will directly or indirectly
use the proceeds of any Transactions contemplated hereunder, or lend, contribute or otherwise make available such proceeds to or for the benefit of any person or entity, for the purpose of financing or supporting, directly or indirectly, the
activities of any person or entity that is currently the subject of Sanctions. 
 (dd)     Anti-Money Laundering
Laws. Seller has complied with all applicable anti-money laundering laws and regulations, including, without limitation, the USA Patriot Act of 2001, as amended, and the Bank Secrecy Act of 1970, as amended (collectively, the “Anti Money
Laundering Laws”); Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Purchased Mortgage Loan
for purposes of the Anti-Money Laundering Laws, including with respect to the bona fide identity of the applicable Mortgagor and the origin of the assets used by said Mortgagor to purchase the property in question, and maintains, and will maintain,
sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. 
 SECTION
4.     Events of Default. Section 11.1(m) of the Existing Master Repurchase Agreement is hereby amended by deleting subclause (ii) in its entirety and replacing it with the following: 

(ii) a determination that a Plan is “at risk” (within the meaning of Section 303 of ERISA) or any Lien in favor of the PBGC or a
Plan shall arise on the assets of Seller or any ERISA Affiliate, 

  
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 SECTION 5.     Definitions. Exhibit A to the Existing
Master Repurchase Agreement is hereby amended by: 
 5.1     deleting the definitions of “Government Mortgage
Loan” and “Liquidity” in their respective entireties and replacing them with the following: 
 Government
Mortgage Loan: Unless defined otherwise in the Transactions Terms Letter, a first lien mortgage loan that is: 
 (a)
    subject to FHA Mortgage Insurance under a FHA Mortgage Insurance Contract and is so insured, or is subject to a current binding and enforceable commitment for such insurance pursuant to the provisions of the National Housing
Act, as amended, was originated in Strict Compliance with the Ginnie Mae Guide, is eligible for inclusion in the Ginnie Mae Program, and unless otherwise agreed to by Buyer in its sole discretion, does not exceed the applicable maximum mortgage
limits as set forth in the FHA Regulations; 
 (b)     subject to a guarantee by the VA under a VA Loan
Guaranty Agreement, or is subject to a current binding and enforceable commitment for such guarantee pursuant to the provisions of the Servicemen’s Readjustment Act, as amended, was originated in Strict Compliance with VA Regulations and the
Ginnie Mae Guide, is eligible for inclusion in the Ginnie Mae Program, and unless otherwise agreed to by Buyer in its sole discretion, does not exceed the applicable maximum mortgage limits as set forth in the VA Regulations; or 

(c)     eligible to be guaranteed by the RD under a RD Loan Guaranty Agreement, and is so guaranteed
pursuant to the provisions of the RD Regulations, and was originated in Strict Compliance with RD Regulations and the Ginnie Mae Guide, is eligible for inclusion in the Ginnie Mae Program, and unless otherwise agreed to by Buyer in its sole
discretion, does not exceed the applicable maximum mortgage limits as set forth in the RD Regulations. 
 Liquidity: As of any
date of determination, the sum of (a) Seller’s unrestricted and unencumbered cash and Cash Equivalents, (b) the balance in the Over/Under Account exclusive of funds held due to a Margin Deficit or Margin Call and (c) [***]
percent of Seller’s unused, available and committed borrowing capacity under Seller’s mortgage servicing rights facilities. By way of example but not limitation, cash in escrow and/or impound accounts shall not be included in this
calculation. 
 5.2     adding the following new definitions in their proper alphabetical order: 

Agency Eligible Escrow Mortgage Loan: An Agency Eligible Mortgage Loan or Government Mortgage Loan in respect of which
(i) the full original principal amount of such Mortgage Loan has not been fully advanced or disbursed as of the related origination date, (ii) all subsequent advances or disbursements are made in accordance with the Agency Guides and
(iii) has been approved by Buyer in its sole discretion. 
 Anti-Money Laundering Laws: As defined in
Section 8.1(dd) of this Agreement. 
 Sanctions: As defined in Section 8.1(cc) of this Agreement. 

  
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 SECTION 6.     Representations and Warranties. Exhibit L
to the Existing Master Repurchase Agreement is hereby amended by: 
 6.1     deleting clause (ii) in its
entirety and replacing it with the following: 
 (ii)     Construction or Rehabilitation of Mortgaged Property.
For all Mortgage Loans other than specific mortgage products agreed upon by Buyer in writing, no Mortgage Loan was made in connection with the construction or rehabilitation of a Mortgaged Property or facilitating the
trade-in or exchange of a Mortgaged Property. 
 6.2     deleting clause
(ss) in its entirety and replacing it with the following: 
 (ss)     Mortgaged Property Undamaged. To the
best of Seller’s knowledge, the Mortgaged Property is in good repair and undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the value of the Mortgaged Property as
security for the Mortgage Loan or the use for which the premises were intended, except with respect to specific mortgage products agreed upon by Buyer in writing. 

SECTION 7.     Fees and Expenses. Seller hereby agrees to pay to Buyer, on demand, any and all reasonable fees,
costs and expenses (including reasonable fees and expenses of counsel) incurred by Buyer in connection with the development, preparation and execution of this Amendment, irrespective of whether any transactions hereunder are executed. 

SECTION 8.     Conditions Precedent. This Amendment shall become effective as of the date hereof upon Buyer’s
receipt of this Amendment, executed and delivered by a duly authorized officer of Buyer and Seller. 
 SECTION 9.
    Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Master Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. 

SECTION 10.     Counterparts. This Amendment may be executed by each of the parties hereto on any number of
separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by
facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment. 
 SECTION 11.
    Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such
other provision or agreement. 
 SECTION 12.     GOVERNING LAW. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS
OF THE PARTIES HEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAWS (OTHER THAN SECTION 5-1401 OF THE NEW YORK
GENERAL OBLIGATIONS LAW). 

  
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 [SIGNATURE PAGE FOLLOWS] 

  
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 IN WITNESS WHEREOF, the parties have caused their names to be signed hereto by their
respective officers thereunto duly authorized as of the day and year first above written. 
  

					
	BANK OF AMERICA, N.A., as Buyer
		
	By:	 	 /s/ Adam Robitshek

		 	Name:	 	Adam Robitshek
		 	Title:	 	Vice President
	
	UNITED SHORE FINANCIAL SERVICES, LLC, as Seller
		
	By:	 	 /s/ Timothy J. Forrester

		 	Name:	 	Timothy J. Forrester
		 	Title:	 	CFO/EVP



  
 Signature Page to
Amendment No. 5 to Master Repurchase Agreement