EX-10.13.5





 Exhibit 10.13.5 

EXECUTION 
 AMENDMENT NO.
5 
 TO MASTER REPURCHASE AGREEMENT 

Amendment No. 5 to Master Repurchase Agreement, dated as of May 30, 2018 (this “Amendment”), between UBS AG, by and
through its branch office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and United Shore Financial Services, LLC (the “Seller”). 

RECITALS 
 The Buyer and
the Seller are parties to (a) that certain Master Repurchase Agreement, dated as of November 5, 2014 (as amended by Amendment No. 1, dated as of November 4, 2015, Amendment No. 2, dated as of August 16, 2016, Amendment
No. 3, dated as of November 2, 2016 and Amendment No. 4, dated as of January 12, 2018, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase Agreement”)
and (b) that certain Pricing Letter, dated as of November 5, 2014 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein
shall have the meanings given to them in the Existing Repurchase Agreement. 
 The Buyer and the Seller have agreed, subject to the terms
and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. 

Accordingly, the Buyer and the Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the
Existing Repurchase Agreement is hereby amended as follows: 
 SECTION 1.    Definitions. Section 2 of the
Existing Repurchase Agreement is hereby amended by deleting the definition of “Wet Loan” in its entirety and replacing it with the following: 

“Wet Loan” shall mean a Mortgage Loan (a) which Seller is selling to Buyer simultaneously with the origination thereof
or (b) that is a Correspondent Mortgage Loan, for which the Mortgage File has not been delivered to Custodian. 
 SECTION
2.    Covenants. Section 11 of the Existing Repurchase Agreement is hereby amended by adding the following new subsection (ff) at the end thereof: 

(ff)    Correspondent Mortgage Loans. With respect to each Correspondent Mortgage Loan that is a Wet Mortgage Loan,
Seller shall provide Buyer (i) with wiring instructions of the related warehouse bank from whom the Seller and Buyer are purchasing such Correspondent Mortgage Loan; or (ii) with wiring instructions of the related correspondent originator
and a security interest release executed by such correspondent originator in form and substance acceptable to Buyer. 

  
 1 













 SECTION 3.    Conditions Precedent. This Amendment shall become
effective as of the date hereof (the “Amendment Effective Date”), subject to the satisfaction of the following conditions precedent: 

3.1    Delivered Documents. On the Amendment Effective Date, the Buyer shall have received the following documents,
each of which shall be satisfactory to the Buyer in form and substance: 
 (a) this Amendment, executed and delivered by duly
authorized officers of the Buyer and the Seller; and 
 (b) such other documents as the Buyer or counsel to the Buyer may
reasonably request. 
 SECTION 4.    Ratification of Agreement. As amended by this Amendment, the Existing
Repurchase Agreement is in all respects ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument. 

SECTION 5.    Representations and Warranties. The Seller hereby represents and warrants to the Buyer that it is in
compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations
and warranties contained in Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by it, and constitutes its legal, valid and binding obligation,
enforceable against it in accordance with its terms. 
 SECTION 6.    Limited Effect. Except as expressly amended
and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. 

SECTION 7.    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 8.    Counterparts. This Amendment may be executed in any number of counterparts, all of which taken
together shall constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any
notices hereunder may be transmitted between them by email and/or by facsimile. 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. The original documents shall be promptly delivered, if requested. 
 SECTION
9.    Binding Effect. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns. 

  
 2 













 SECTION 10.    GOVERNING LAW. THIS AMENDMENT AND ANY CLAIM,
CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE
NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN
CONNECTION WITH ANY ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN. 

[SIGNATURE PAGE FOLLOWS] 

  
 3 













 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. 
  

					
	 UBS AG, BY AND THROUGH ITS BRANCH OFFICE AT 1285 AVENUE OF THE AMERICAS, NEW YORK,
NEW YORK, as Buyer

		
	By:	 	 /s/ Kimberly Browne

		 	Name:	 	Kimberly Browne
		 	Title:	 	Managing Director


 
					
		
	By:	 	 /s/ Chi Ma

		 	Name:	 	Chi Ma
		 	Title:	 	Director
	
	 UNITED SHORE FINANCIAL SERVICES, LLC,
as
Seller



 
					
		
	By:	 	
                     
                                       

		 	Name:	 	
		 	Title:	 	



  
 Signature Page to
Amendment No. 5 to Master Repurchase Agreement 













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

					
	 USB AG, BY AND THROUGH BRANCH OFFICE AT 1285 AVENUE OF THE AMERICAS, NEW YORK, NEW
YORK, as Buyer

		
	By:	 	
                     
                                       

		 	Name:	 	
		 	Title:	 	
		
	By:	 	
                     
                                       

		 	Name:	 	
		 	Title:	 	


 
					
	
	 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