Document:

Form of Restricted Stock Unit Agreement

 Exhibit 10.1 

 
 

 
 2006 STOCK INCENTIVE PLAN 

GLOBAL RESTRICTED STOCK UNIT AGREEMENT 
 Private & Confidential (Addressee Only) 
 Jerald G. Fishman 

We are pleased to advise you (the “Participant”) that Analog Devices, Inc., a Massachusetts corporation (the “Company”), has granted
to the Participant that number of Restricted Stock Units (“RSUs”) set forth below, subject to the terms and conditions of the Analog Devices, Inc. 2006 Stock Incentive Plan (the “Plan”) and this Global Restricted Stock Unit
Agreement, (the “Agreement”). All terms not defined in this Agreement shall have the meaning set forth in the Plan. 
  

	1.	Restricted Stock Unit. 

Subject to the terms and conditions of the Plan and this Agreement, the Company has granted to the Participant that number of RSUs (the
“Award”) effective on the Date of Grant set forth below: 
  

			
	 Date of Grant:
	  	October 15, 2012
		
	 Number of RSUs:
	  	200,000
		
	 Vesting Schedule:
	  	66,666 RSUs shall vest on December 15, 2013
		  	66,667 RSUs shall vest on December 15, 2014
		  	and 66,667 RSUs shall vest on December 15, 2015

 Each one (1) RSU shall, if and when it vests in accordance with this Agreement, automatically
convert into one (1) share of common stock, US$0.16 2/3 par value, of the Company (“Common Stock”) issuable as provided below. The RSUs are subject to the vesting provisions set forth in Section 2, the restrictions on transfer
set forth in Section 3 and the right of the Company to retain Shares (as defined below) pursuant to Section 6. 
  

	2.	Vesting and Conversion. 

  

	 	(a)	Subject to the terms of the Plan and this Agreement, the RSUs shall vest in accordance with the schedule set forth in Section 1. For purposes of this Agreement,
RSUs that have not vested as of any particular time in accordance with this Section 2(a) are referred to as “Unvested RSUs.” The shares of Common Stock that are issuable upon the vesting and conversion of the RSUs are referred to in
this Agreement as “Shares.” As soon as administratively practicable after the issuance of any Shares upon the vesting and conversion of RSUs, and subject to the terms and conditions set forth herein, the Company shall deliver or cause to
be delivered evidence (which may include a book entry by the Company’s transfer agent) of the Shares so issued in the name of the Participant to the brokerage firm designated by the Company to maintain the brokerage account established for the
Participant. Notwithstanding the foregoing, the Company shall not be obligated to issue Shares to or in the name of the Participant upon the vesting and conversion of any RSUs unless the issuance of such Shares shall comply with all relevant
provisions of law and other legal requirements including, without limitation, any applicable securities laws and the requirements of any stock exchange upon which shares of Common Stock may then be listed. 

 

	 	(b)	The RSUs shall continue to vest in accordance with Section 1 above as long as Participant is either an employee of the Company or member of the Board of Directors
of the Company (the “Board”). If, following the termination of Participant’s employment with the Company, the Participant and the Board mutually agree that Participant shall cease to serve as a member of the Board prior to the
conclusion of his elected term or the Board does not nominate Participant for re-election to the Board, all Unvested RSUs shall vest in full as of Participant’s cessation of service as a member of the Board. 

 

	 	(c)	If (i) the Participant voluntarily terminates his employment with the Company prior to the appointment of a successor Chief Executive Officer of the Company or,
after such appointment, Participant elects to resign as a member of the Board (other than by mutual agreement as set forth in Section 2(b) above) or elects not to stand for re-election as a member of the Board despite the Board’s request
that he do so, or (ii) the Participant’s employment is terminated by the Company for “Cause” (as defined in the Amended and Restated Employment Agreement between Participant and the Company dated January 14, 2010 (the
“Employment Agreement”)), then all of the Unvested RSUs as of such termination of employment or service shall terminate and be cancelled immediately and automatically, and the Participant shall have no further rights with respect to
such Unvested RSUs. 

  

	 	(d)	In the event the Participant’s employment with the Company is terminated by reason of the Participant’s death or Disability (as defined in the Employment
Agreement), all Unvested RSUs shall vest in full as of the date of such termination. 

  

	 	(e)	Upon the earlier of (i) the consummation of Change in Control Event (as defined in the Plan), or (ii) any termination of Participant’s employment by the
Company without Cause or by Participant for Good Reason (as defined in the Employment Agreement), other than upon or in connection with the appointment of a successor Chief Executive Officer of the Company, all Unvested RSUs shall vest in full.

 

 
  

	3.	Restrictions on Transfer. 

  

	 	(a)	The Participant shall not sell, assign, transfer, pledge or otherwise encumber any RSUs, either voluntarily or by operation of law. 

 

	 	(b)	The Company shall not be required (i) to transfer on its books any of the RSUs which have been transferred in violation of any of the provisions set forth herein
or (ii) to treat as the owner of such RSUs any transferee to whom such RSUs have been transferred in violation of any of the provisions contained herein. 

 

	4.	Not a Shareholder. The RSUs represent an unfunded, unsecured promise by the Company to deliver Shares upon vesting and conversion of the RSUs, and until vesting
of the RSUs and issuance of the Shares, the Participant shall not have any of the rights of a shareholder with respect to the Shares underlying the RSUs. For the avoidance of doubt, the Participant shall have no right to receive any dividends and
shall have no voting rights with respect to the Shares underlying the RSUs for which the record date is on or before the date on which the Shares underlying the RSUs are issued to the Participant. 

 

	5.	Provisions of the Plan. The RSUs and Shares, including the grant and issuance thereof, are subject to the provisions of the Plan. A copy of the Plan prospectus
is available on the Company’s Intranet at http://signals.corpnt.analog.com/default.aspx. (From Signals home page, click Knowledge Centers, HR, Employee Stock Programs. The related documents can be found in the right-hand column).

  

	6.	Withholding Taxes. 

  

	 	(a)	Regardless of any action the Company and/or the Employer, if different, takes with respect to any or all income tax (including U.S. federal, state and local taxes
and/or non-U.S. taxes), social insurance, payroll tax, payment on account or other tax-related withholding (“Tax-Related Items”), the Participant acknowledges that the ultimate liability for all Tax-Related Items legally applicable to the
Participant is and remains the Participant’s responsibility and may exceed the amount actually withheld by the Company or the Employer. The Participant further acknowledges that the Company and the Employer (i) make no representations or
undertakings regarding the treatment of any Tax-Related Items in connection with any aspect of the RSUs, including the grant of the RSUs, the vesting of the RSUs, the subsequent sale of any Shares acquired pursuant to the RSUs and the receipt of any
dividends; and (ii) do not commit to structure the terms of the grant or any aspect of the RSUs to reduce or eliminate the Participant’s liability for Tax-Related Items or achieve any particular tax result. Further, if the Participant
becomes subject to tax in more than one jurisdiction between the Date of Grant and the date of any relevant taxable or tax withholding event, as applicable, the Participant acknowledges that the Company and/or the Employer may be required to
withhold or account for Tax-Related Items in more than one jurisdiction. 

  

	 	(b)	Prior to any relevant taxable or tax withholding event, as applicable, the Participant will pay or make adequate arrangements satisfactory to the Company to satisfy all
Tax-Related Items. In this regard, the Participant authorizes the Company and/or the Employer, or their respective agents, at their discretion, to satisfy the obligations with regard to all Tax-Related Items by one or a combination of the methods
set forth below: 

  

	 	(i)	the Company may withhold a sufficient number of whole Shares otherwise issuable upon the vesting of the RSUs that have an aggregate Fair Market Value (as defined under
the Plan) sufficient to pay the minimum Tax-Related Items required to be withheld with respect to the Shares. The cash equivalent of the Shares withheld will be used to settle the obligation to withhold the Tax-Related Items (determined by reference
to the closing price of the Common Stock on the NASDAQ Global Select Market on the applicable vesting date). 

  

	 	(ii)	the Company may, in its discretion, withhold any amount necessary to pay the Tax-Related Items from the Participant’s salary or other amounts payable to the
Participant; or 

  

	 	(iii)	the Company may withhold from proceeds of the sale of Shares either through a voluntary sale or through a mandatory sale arranged by the Company (on the
Participant’s behalf pursuant to this authorization). 

 In the event the withholding requirements are not
satisfied through the withholding of Shares or through the Participant’s salary or other amounts payable to the Participant, no Shares will be issued upon vesting of the RSUs unless and until satisfactory arrangements (as determined by the
Compensation Committee of the Board of Directors) have been made by the Participant with respect to the payment of any Tax-Related Items which the Company and/or the Employer determine, in each of its sole discretion, must be withheld or collected
with respect to such RSUs. No fractional Shares will be withheld or issued pursuant to the grant of the RSUs and the issuance of Shares hereunder. By accepting this grant of RSUs, the Participant expressly consents to the withholding of Shares
and/or cash as provided for hereunder. All other Tax-Related Items related to the RSUs and any Shares delivered in payment thereof are the Participant’s sole responsibility. 

 

	7.	 Option of Company to Deliver Cash. Notwithstanding any of the other provisions of this Agreement, where share settlement is otherwise prohibited
under local law or may present adverse tax consequences to the Participant, at the time the RSUs vest, the Company may elect, in the sole discretion of the Compensation Committee of the Board of Directors, to deliver by wire transfer to the
Participant in lieu of Shares an equivalent amount of cash (determined by reference to the closing price of the Common Stock on the 

  
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NASDAQ Global Select Market on the applicable vesting date). If the Company elects to deliver cash to the Participant, the Company is authorized to retain such amount as is sufficient in the
opinion of the Company to satisfy the Tax-Related Items withholding obligations of the Company pursuant to Section 6 herein. 

  

	8.	Other Legal Requirements. The Participant also agrees to take any and all actions, and consent to any and all actions taken by the Company and its subsidiaries,
as may be required to allow the Company and its subsidiaries to comply with all laws, rules and regulations applicable to the Participant. Also, the Participant agrees to take any and all actions as may be required to comply with the
Participant’s personal legal and tax obligations under all laws, rules and regulations applicable to the Participant. 

  

	9.	Miscellaneous. 

  

	 	(a)	No Rights to Employment. The grant of the RSUs shall not confer upon the Participant any right to continue in the employ of the Company or the Employer, nor
limit in any way the right of the Company or the Employer to terminate the Participant’s employment at any time. The vesting of the RSUs pursuant to Section 2 hereof is earned only by satisfaction of the performance conditions, if any, and
continuing service as an employee at the will of the Company or the Employer (not through the act of being hired or engaged or being granted the RSUs hereunder). 

 

	 	(b)	Discretionary Nature. The Participant acknowledges and agrees that the Plan is discretionary in nature and may be amended, cancelled, or terminated by the
Company, in its sole discretion, at any time. The Participant’s participation in the Plan is voluntary. The grant of the RSUs under the Plan is a one-time benefit and does not create any contractual or other right to receive a grant of RSUs or
any other award under the Plan or other benefits in lieu thereof in the future. Future grants, if any, will be at the sole discretion of the Company, including, but not limited to, the form and timing of any grant, the number of Shares subject to
the grant, and the vesting provisions. Any amendment, modification or termination of the Plan shall not constitute a change or impairment of the terms and conditions of the Participant’s employment with the Company or the Employer. The RSUs and
income from such RSUs shall not be included in any calculation of severance, resignation, redundancy, end of service payments, bonuses, long-service awards, pension, or retirement benefits or similar payments. 

 

	 	(c)	Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of
this Agreement, and each other provision of this Agreement shall be severable and enforceable to the extent permitted by law. 

  

	 	(d)	Binding Effect. This Agreement shall be binding upon and inure to the benefit of the Company and the Participant and their respective heirs, executors,
administrators, legal representatives, successors and assigns, subject to the restrictions on transfer set forth in Section 3 of this Agreement. 

  

	 	(e)	Notice. Each notice relating to this Award shall be in writing (which shall include electronic form) and delivered in person, electronically or by first class
mail, postage prepaid, to the address as hereinafter provided. Each notice shall be deemed to have been given on the date it is received. Each notice to the Company shall be addressed to it at its offices at Analog Devices, Inc., Three Technology
Way, Norwood, Massachusetts, 02062, Attention: Chief Financial Officer. Each notice to the Participant shall be addressed to the Participant at the Participant’s last known mailing or email address, as applicable, on the records of the Company.

  

	 	(f)	Pronouns. Whenever the context may require, any pronouns used in this Agreement shall include the corresponding masculine, feminine or neuter forms, and the
singular form of nouns and pronouns shall include the plural, and vice versa. 

  

	 	(g)	Entire Agreement. This Agreement and the Plan constitute the entire understanding between the parties, and supersede all prior agreements and understandings,
relating to the subject matter of these documents. 

  

	 	(h)	Governing Law. This Agreement shall be construed, interpreted and enforced in accordance with the internal laws of the Commonwealth of Massachusetts without
regard to any applicable conflicts of laws. 

  

	 	(i)	Compliance with Laws. Notwithstanding any other provision of the Plan or this Agreement, unless there is an available exemption from any registration,
qualification or other legal requirement applicable to the Shares, the Company shall not be required to deliver any Shares prior to the completion of any registration or qualification of the Shares under any local, state, federal or foreign
securities or exchange control law or under rulings or regulations of the U.S. Securities and Exchange Commission (“SEC”) or of any other governmental regulatory body, or prior to obtaining any approval or other clearance from any local,
state, federal or foreign governmental agency, which registration, qualification or approval the Company shall, in its absolute discretion, deem necessary or advisable. The Participant understands that the Company is under no obligation to register
or qualify the Shares with the SEC or any state or foreign securities commission or to seek approval or clearance from any governmental authority for the issuance or sale of the Shares. Further, the Participant agrees that the Company shall have
unilateral authority to amend the Plan and the Agreement without the Participant’s consent to the extent necessary to comply with securities or other laws applicable to issuance of Shares. 

  
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	 	(j)	Interpretation. The interpretation and construction of any terms or conditions of this Agreement or the Plan, or other matters related to the Plan, by the
Compensation Committee of the Board of Directors of the Company shall be final and conclusive. 

  

	 	(k)	Participant’s Acceptance. The Participant is urged to read this Agreement carefully and to consult with his or her own legal counsel regarding the terms and
consequences of this Agreement and the legal and binding effect of this Agreement. By virtue of his or her acceptance of this Award, the Participant is deemed to have accepted and agreed to all of the terms and conditions of this Agreement and the
provisions of the Plan. 

  

	 	(l)	Electronic Delivery. The Company may, in its sole discretion, decide to deliver any documents related to the RSUs or other awards granted to the Participant
under the Plan by electronic means. The Participant hereby consents to receive such documents by electronic delivery and agrees to participate in the Plan through an on-line or electronic system established and maintained by the Company or a third
party designated by the Company. 

  

	 	(m)	English Language. The Participant acknowledges and agrees that it is the Participant’s express intent that this Agreement, the Plan and all other documents,
notices and legal proceedings entered into, given or instituted pursuant to the RSUs, be drawn up in English. If the Participant has received this Agreement, the Plan or any other documents related to the RSUs translated into a language other than
English, and if the meaning of the translated version is different than the English version, the English version shall control. 

  

	 	(n)	Additional Requirements. The Company reserves the right to impose other requirements on the RSUs, any Shares acquired pursuant to the RSUs, and the
Participant’s participation in the Plan, to the extent the Company determines, in its sole discretion, that such other requirements are necessary or advisable in order to comply with local law or to facilitate the administration of the Plan.
Such requirements may include (but are not limited to) requiring the Participant to sign any agreements or undertakings that may be necessary to accomplish the foregoing. 

 

	 	(o)	Changes in Capitalization. In the event of any stock split, reverse stock split, stock dividend, recapitalization, combination of shares, reclassification of
shares, spin-off or other similar change in capitalization or event, or any non-cash distribution to holders of Common Stock, the number of RSUs, and Shares issuable upon vesting and conversion thereof, shall be appropriately adjusted in such manner
as shall be determined by the Compensation Committee of the Board of Directors of the Company. 

  

	 	(p)	No Advice Regarding Grant. The Company is not providing any tax, legal or financial advice, nor is the Company making any recommendations regarding the
Participant’s participation in the Plan, or the Participant’s acquisition or sale of Shares. The Participant is hereby advised to consult with his or her own personal tax, legal and financial advisors regarding his or her participation in
the Plan before taking any action related to the Plan. 

  

	
	  

	Neil Novich
	Chairman of Compensation Committee

  
 4Sixth Amendment to Master Repurchase Agreement

 Exhibit 10.1 
 SIXTH AMENDMENT TO MASTER REPURCHASE AGREEMENT 
 THIS SIXTH AMENDMENT TO
MASTER REPURCHASE AGREEMENT (this “Amendment”), dated as of September 21, 2012, is made and entered into between and among HomeAmerican Mortgage Corporation, a Colorado corporation (the “Seller”), and U.S. Bank
National Association, as administrative agent and representative of itself as a Buyer and the other Buyers (in such capacity, the “Agent”) and as a Buyer (in such capacity, “U.S. Bank”). 

RECITALS: 
 A.
The Seller, U.S. Bank, and the Agent are parties to a Master Repurchase Agreement dated as of November 12, 2008, as amended by a First Amendment to Master Repurchase Agreement dated as of October 29, 2009, a Second Amendment to Master
Repurchase Agreement dated as of October 21, 2010, a Third Amendment to Master Repurchase Agreement dated as of September 14, 2011, a Fourth Amendment to Master Repurchase Agreement dated as of September 29, 2011, and a Fifth
Amendment to Master Repurchase Agreement dated as of January 31, 2012 (as so amended, the “Repurchase Agreement”). 
 B. The Seller and the Agent now desire to amend certain provisions of the Repurchase Agreement as set forth herein. 
 AGREEMENT: 
 In consideration of the premises herein and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows: 
 Section 1.
Definitions. Capitalized terms used and not otherwise defined in this Amendment have the meanings specified in the Repurchase Agreement. 
 Section 2. Amendments. The Repurchase Agreement is hereby amended as follows: 
 2.1. Definitions. The definitions of “Balance Funded Rate,” “Buyers’ Margin Percentage” and “Termination Date” in Section 1.2 of the Repurchase
Agreement are amended and restated in their respective entireties as follows: 
 “Balance Funded
Rate” [not applicable]. 
 “Buyers’ Margin Percentage” means: 

(i) for Conforming Mortgage Loans, ninety-seven percent (97%); and 

(ii) for Jumbo Mortgage Loans, ninety-five percent (95%). 

Notwithstanding the foregoing, subject to the next sentence, for Conforming Mortgage Loans that are FHA-insured, the
Buyers’ Margin Percentage shall, as of any date of determination, be as set forth in the table below 

 
based on the HUD Compare Ratio calculated as of the end of the most recent month for which the Seller has furnished the certificate required by Section 16.3(c): 

 

			
	 HUD Compare Ratio
	  	Buyers’ Margin Percentage
	 Less than or equal to 1.60 to 1.00
	  	97%
	 Greater than 1.60 to 1.00 but less than or equal to 1.80 to 1.00
	  	75%
	 Greater than 1.80 to 1.00 but less than or equal to 2.00 to 1.00
	  	50%
	 Greater than 2.00 to 1.00
	  	0%

 Notwithstanding the foregoing, (a) any reduction to the Buyers’ Margin
Percentage contemplated by the preceding sentence shall be made only at the option of the Agent exercisable on or after the first day following the delivery of the applicable certificate, (b) subject to the following clause “(c),”
during the period before delivery of the certificate required by Section 16.3(c) for the month ending September 30, 2012, the Buyers’ Margin Percentage for FHA-insured Conforming Mortgage Loans shall be 97%, and (c) if the Seller
has not timely furnished the certificate required by Section 16.3(c) for any month, then, at the option of the Agent, until the first day following the delivery of such certificate for such month, the Buyers’ Margin Percentage for
FHA-insured Conforming Mortgage Loans shall be calculated as if the HUD Compare Ratio were greater than 2.00 to 1.00. 
 “Termination Date” means the earlier of (a) September 20, 2013, or (b) the date when the Buyers’ Commitments are terminated pursuant to this Agreement, by order of any
Governmental Authority or by operation of law. 
 2.2. The Buyers’ Commitment to Purchase.
Section 2.1 of the Repurchase Agreement is amended by deleting the phrase “through the Termination Date” as it appears therein and substituting the phrase “through and including the Termination Date” in lieu thereof.

 2.3. LIBOR Floor. Section 5.1 of the Repurchase Agreement is amended by deleting the phrase
“3.75%” as it appears therein and substituting the phrase “3.25%” in lieu thereof. 

  
 2 

 2.4. Financial Officer’s Certificate.
Section 16.3(c) of the Repurchase Agreement is amended and restated in its entirety as follows: 
 (c)
Financial Officer’s Certificate. Together with each of the monthly and annual Financial Statements required by Sections 16.3(a), and 16.3(b) above, a certificate of the Seller’s vice president-finance or other
acceptable person in the form of Exhibit C, among other things, (i) setting forth in reasonable detail all calculations necessary to show (A) the HUD Compare Ratio and (B) whether the Seller is in compliance with the
requirements of Sections 17.12, 17.13, 17.14 and 17.15 of this Agreement or, if the Seller is not in compliance, showing the extent of noncompliance and specifying the period of noncompliance and what actions the Seller
proposes to take with respect thereto and (ii) stating that the terms of this Agreement have been reviewed by such officer or under his or her supervision, and that he or she has made or caused to be made under his or her supervision, a review
in reasonable detail of the transactions and the condition of the Seller during the accounting period covered by such Financial Statements and that such review does not disclose the existence during or at the end of such accounting period and that
such officer does not have knowledge of the existence as of the date of the Officer’s Certificate of any Event of Default or Default or, if any Event of Default or Default existed or exists, specifying the nature and period of its existence and
what action the Seller has taken, is taking and proposes to take with respect to it. 
 2.5. HUD Compare
Ratio. Section 17.18 of the Repurchase Agreement is amended and restated in its entirety as follows: 
        17.18. [Reserved.] 
 2.6.
Compliance Certificate. Exhibit C to the Repurchase Agreement is amended and restated in its entirety as set forth on Exhibit A hereto. 

2.7. Approved Investors. Schedule AI to the Repurchase Agreement is amended and restated in its entirety as
set forth on Exhibit B hereto. 
 2.8. Eligible Loans. Schedule EL to the Repurchase
Agreement is amended and restated in its entirety as set forth on Exhibit C hereto. 
 Section 3. Conditions
Precedent and Effectiveness. This Amendment shall be effective as of the date first above written, upon the occurrence of the following events: 
 3.1. delivery to the Agent of this Amendment duly executed by the Seller in a quantity sufficient that the Agent and the Seller may each have a fully executed original; 

3.2. delivery to the Agent of a certificate of the corporate secretary of the Seller certifying (a) that the
resolutions adopted by the Seller’s board of directors on November 18, 2005, authorizing execution, delivery and performance of the credit facilities, remain in full force and effect and that no further approval of the Seller’s board
of directors is required in connection with the execution, delivery, and performance of 

  
 3 

 
this Amendment, (b) as to the incumbency of the officers executing this Amendment on behalf of the Seller, and (c) that there has been no change to the Seller’s articles of
incorporation or bylaws since copies of the same were delivered to the Agent on or about November 12, 2008; 

3.3. delivery to the Agent of a certificate of good standing certificate (or the equivalent thereof) for the Seller in its
jurisdiction of incorporation, certified by the appropriate governmental official as of a recent date; 
 3.4.
completed lien searches for the Seller satisfactory to the Agent; 
 3.5. delivery to the Agent of such other
documents as it may reasonably request; and 
 3.6. receipt by the Agent of payment of all unpaid legal fees and
expenses incurred by the Agent through the date of this Amendment in connection with the Repurchase Agreement and this Amendment. 
 Section 4. Miscellaneous. 
 4.1. Ratifications. The
terms and provisions of this Amendment shall modify and supersede all inconsistent terms and provisions of the Repurchase Agreement and the other Repurchase Documents, and, except as expressly modified and superseded by this Amendment, the terms and
provisions of the Repurchase Agreement and each other Repurchase Document are ratified and confirmed and shall continue in full force and effect. 
 4.2. Seller Representations and Warranties. The Seller hereby represents and warrants that (a) the representations and warranties in Article 15 of the Repurchase Agreement and in the other
Repurchase Documents are true and correct in all material respects with the same force and effect on and as of the date hereof as though made as of the date hereof, and (b) after giving effect to this Amendment, no Default or Event of Default
has occurred and is continuing. 
 4.3. Survival. The representations and warranties made by the Seller in
this Amendment shall survive the execution and delivery of this Amendment. 
 4.4. Reference to Repurchase
Agreement. Each of the Repurchase Documents, including the Repurchase Agreement and any and all other agreements, documents, or instruments now or hereafter executed and delivered pursuant to the terms hereof or pursuant to the terms of the
Repurchase Agreement as amended hereby, is hereby amended so that any reference in such Repurchase Document to the Repurchase Agreement refers to the Repurchase Agreement as amended and modified hereby. 

4.5. Applicable Law. This Amendment shall be governed by and construed in accordance with the laws of the State of
New York. 

  
 4 

 4.6. Successors and Assigns. This Amendment is binding upon and shall
inure to the benefit of the Agent, the Buyers, the Seller, and their respective successors and assigns, except that the Seller may not assign or transfer any of its rights or obligations hereunder without the prior written consent of the Agent.

 4.7. Counterparts. This Amendment may be executed in one or more counterparts, each of which when so
executed shall be deemed to be an original, but all of which when taken together shall constitute one and the same instrument. 
 4.8. Headings. The headings, captions, and arrangements used in this Amendment are for convenience only and shall not affect the interpretation of this Amendment. 

4.9. ENTIRE AGREEMENT. THIS AMENDMENT AND THE OTHER REPURCHASE DOCUMENTS REPRESENT THE FINAL AGREEMENT AMONG THE
PARTIES HERETO AND THERETO WITH RESPECT TO THE SUBJECT MATTER HEREOF AND THEREOF AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES HERETO OR THERETO. 

[REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK] 

  
 5 

 IN WITNESS WHEREOF the parties have caused this Amendment to be executed as of the date
first written above. 
 SELLER AND SERVICER: 

 

			
	HOMEAMERICAN MORTGAGE CORPORATION, as Seller and Servicer
		
	By:	 	 /s/ John J. Heaney

	Name:	 	John J. Heaney
	Title:	 	Senior Vice President and Treasurer
	Date:	 	September 20, 2012

 AGENT AND BUYER: 

 

			
	 U.S. BANK NATIONAL ASSOCIATION,
 as Agent and Buyer

		
	By:	 	 /s/ Edwin D. Jenkins

	Name:	 	Edwin D. Jenkins
	Title:	 	Senior Vice President
	Date:	 	September 19, 2012

 EXHIBIT A TO SIXTH AMENDMENT TO 

MASTER REPURCHASE AGREEMENT 
 EXHIBIT C 
 TO Master Repurchase Agreement 

FORM OF FINANCIAL OFFICER’S CERTIFICATE  

OFFICER’S CERTIFICATE 
 AGENT:         U.S. Bank National Association 
 SELLER:
        HomeAmerican Mortgage Corporation 
 SUBJECT PERIOD:
                         ended
                , 20     

DATE:                     ,
20     
 This certificate is delivered to the Agent and the Buyers under the Master Repurchase
Agreement dated as of November 12, 2008 (as supplemented, amended or restated from time to time, the “Current Repurchase Agreement”), among the Seller, the Agent and the Buyers from time to time party thereto. Unless they are
otherwise defined in this request, terms defined in the Current Repurchase Agreement have the same meanings here as there. 

The undersigned officer of the Seller certifies to the Agent that on the date of this certificate that: 

1. The undersigned is an incumbent officer of the Seller, holding the title stated below the undersigned’s signature below.

 2. The Seller’s Financial Statements that are attached to this certificate were prepared in accordance with GAAP (except
that interim i.e., other than annual Financial Statements exclude notes to Financial Statements and statements of changes to stockholders’ equity and are subject to year-end adjustments) and (subject to the aforesaid proviso as to interim
Financial Statements) present fairly the Seller’s financial condition and results of operations as of              for that month (the “Subject Period”) and for
the year to that date. 
 3. The undersigned officer of the Seller supervised a review of the Seller’s activities during
the Subject Period in respect of the following matters and has determined the following: 
 (a) except to the
extent that a representation or warranty speaks to a specific date, the representations and warranties of the Seller in the Current Repurchase Agreement and the other Repurchase Documents are true and correct in all material respects, other than the
changes, if any, described on the attached Annex A; 
 (b) no event has occurred which could reasonably be
expected to have a materially adverse effect on any of the Central Elements of the Seller; 

  
 A-1

 (c) the Seller has complied with all of its obligations under the Repurchase
Documents, other than the deviations, if any, described on the attached Annex A; 
 (d) no Event of
Default has occurred that has not been declared by the Agent in writing to have been cured or waived, and no Default has occurred that has not been cured before it became an Event of Default, other than those Events of Default and/or
Defaults, if any, described on the attached Annex A; and 
 (e) the HUD Compare Ratio and compliance by
the Seller with the financial covenants in Sections 17.12, 17.13, 17.14 and 17.15 of the Current Repurchase Agreement are accurately calculated on the attached Annex A. 

 

			
	HOMEAMERICAN MORTGAGE CORPORATION
		
	By:	 	  

	Name:	 	  

	Title:	 	  

  
 A-2

 ANNEX A TO OFFICER’S CERTIFICATE 

1. Describe deviations from compliance with obligations, if any — clause 3(b) of attached Officer’s Certificate
— if none, so state: 
 2. Describe Defaults or Events of Default, if any — clause 3(c) of attached
Officer’s Certificate — if none, so state: 
 3. Provide the following calculations: 

(a) Section 17.12. The Seller’s Adjusted Tangible Net Worth as of
             is $             (the minimum under Section 17.12 is $18,000,000.) 

Adjusted Tangible Net Worth 
  

					
	 Consolidated Assets:
	  	$	                           
 	  
		
	 Minus Debt:
	  	$	                           
 	  
		
	 Minus Contingent Indebtedness:
	  	$	                           
 	  
		
	 Minus Intangible Assets (including Capitalized Servicing Rights):
	  	$	                           
 	  
		
	 Minus Receivables from Affiliates:
	  	$	                           
 	  
		
	 ADJUSTED TANGIBLE NET WORTH:
	  	$	                           
 	  

 (b) Section 17.13. The ratio of Seller’s Total Liabilities to Adjusted Tangible Net Worth of the
Seller on a consolidated basis with its Subsidiaries, measured monthly is              to 1.0 (the maximum ratio under Section 17.13 is 8.00:1.00.) 

  
 A-3

 Leverage Ratio 

 

									
	 Total Liabilities (excluding Qualified Subordinated Debt):
	   
	  	$	                    	  
	 Adjusted Tangible Net Worth:
	   
	  	$	                    	  
	 LEVERAGE RATIO:
	  	 	         To 1	  	  			

 (c) Section 17.14. The Seller’s GAAP net income for the twelve (12) consecutive months ended
            , 20     is $            (the minimum under Section 17.14
is $1.00.) 
 (d) Section 17.15. The Seller’s liquidity (unrestricted cash, Cash Equivalents and unused portion of the
Purchase Value of the Purchased Loans), as of             , 20     was $            (the
minimum under Section 17.15 is $8,000,000). 
 Liquidity 

 

					
	 Unencumbered cash and cash equivalents:
	  	$	                        	  
	 Plus Unused availability against Purchased Loans (Purchase Value – Purchase Price):
	  	$	                        	  
	 LIQUIDITY:
	  	$	                        	  

 (e) HUD Compare Ratio. The Seller’s HUD Compare Ratio, as of the month ended
            , 20    , is             to 1.00. 

  
 A-4

 4. Describe and give details regarding (i) notices received by Seller requesting or
demanding that Seller repurchase (or pay indemnity or other compensation in respect of) Mortgage Loans previously sold or otherwise disposed of by the Seller to any Approved Investor or other Person pursuant to any express or implied repurchase or
indemnity obligation as provided pursuant to Section 16.5, and (ii) actual repurchase and indemnity payments made by Seller to any Person. 
  

											
	 	  	9/30/2012	  	12/31/2012	  	3/31/2013	  	6/30/2013	  	9/30/2013
	 Loan Repurchase Requests
	  		  		  		  		  	
	 Reserve amount
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 Loan Repurchase Requests (net)
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 Reserve policy
	  		  		  		  		  	
						
	 Loan Repurchases
	  		  		  		  		  	
	 Reserve amount
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 Loan Repurchases (net)
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 Reserve policy
	  		  		  		  		  	
						
	 Loans Held for Investment
	  		  		  		  		  	
	 Reserve amount
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 Loans Held for Investment (net)
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 LHFI reserve policy
	  		  		  		  		  	
						
	 REO
	  		  		  		  		  	
	 Reserve amount
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 REO (net)
	  		  		  		  		  	
		  	  
	  	  
	  	  
	  	  
	  	  

	 REO reserve policy
	  		  		  		  		  	

  
 A-5

 EXHIBIT B TO SIXTH AMENDMENT TO 

MASTER REPURCHASE AGREEMENT 
 SCHEDULE AI 
 TO MASTER REPURCHASE AGREEMENT 

APPROVED INVESTORS 
  

									
	 Investor
	  	 S&P CP Rating
	  	 Moody’s CP Rating
	  	 Related Parent Company
	  	 Product Eligibility

					
	 Colorado Housing and Finance Authority
	  	N/A	  	N/A	  		  	Conforming
					
	 Federal Home Loan Mortgage Corp. (Freddie Mac)
	  	N/A	  	N/A	  		  	Conforming
					
	 Federal National Mortgage Assoc. (FNMA)
	  	N/A	  	N/A	  		  	Conforming
					
	 Government National Mortgage Assoc. (GNMA)
	  	N/A	  	N/A	  		  	Conforming
					
	 JPMorgan Chase Bank
	  	A-1+	  	P-1	  	JPMorgan Chase &
Co.	  	Conforming/non-
conforming
					
	 U.S. Bank Home Mortgage
	  	A-1+	  	P-1	  	U.S. Bank National
Association	  	Conforming/non-
conforming
					
	 Wells Fargo Bank, N.A.
	  	A-1+	  	P-1	  	Wells Fargo & Co.	  	Conforming/non-
conforming

  
 B-1

 EXHIBIT C TO SIXTH AMENDMENT TO 

MASTER REPURCHASE AGREEMENT 
 SCHEDULE EL 
 TO MASTER REPURCHASE AGREEMENT 

ELIGIBLE LOANS 
 “Eligible Loans” means Single-family Loans that are amortizing Conforming Mortgage Loans with original terms to stated maturities of thirty (30) years or less and that satisfy all
applicable requirements of this Agreement for Conforming Mortgage Loans, and shall also mean Single-family Loans that are Jumbo Mortgage Loans that otherwise meet all criteria for Eligible Loans set forth on this Schedule EL and are not
subject to a Disqualifier. Each Mortgage Loan must be secured by a first priority Lien on its related Mortgaged Premises. It may bear interest at a fixed interest rate, at a fluctuating interest rate or at a fixed or fluctuating interest rate for
part of its term followed, respectively, by a fluctuating or fixed interest rate for the remainder of its term. No Mortgage Loan shall be an Eligible Loan at any time: 

(1) If the Mortgaged Premises securing it is a mobile home, manufactured housing, or cooperative housing unit. 

(2) That contains or is otherwise subject to any contractual restriction or prohibition on the free transferability of
such Mortgage Loan, all Liens securing it and all related rights (other than Legal Requirements requiring notification to its obligor(s) of any transfer of it or of its servicing or administration), either absolutely or as security. 

(3) If any of its owners-mortgagors is a corporation, partnership or any other entity that is not a natural person or a
trust for natural persons unless its full payment when due is guaranteed by a natural person. 
 (4) If any of
its owner-mortgagors is an Affiliate of a Seller or any of the Seller’s or any such Affiliate’s directors, or appointed officers, unless all of the following are true: (a) such Mortgage Loan is a Single-family Loan secured by a first
priority Lien on the related Mortgaged Premises, (b) the owner-mortgagor occupies the Mortgaged Premises as a primary or secondary residence, and (c) such Mortgage Loan will not cause the Aggregate Outstanding Purchase Price of all
Purchased Loans to such Affiliates, directors and officers to exceed $1,000,000 and (d) no more than 30 days have elapsed since the Purchase Date of such Mortgage Loan. 

(5) Whose related Mortgaged Premises are not covered by a Hazard Insurance Policy. 

(6) That is a construction, rehabilitation or commercial loan. The Agent, Buyers and Custodian may rely on a Seller’s
representation and warranty that no Purchased Loan is such a loan. 

  
 C-1

 (7) In the case of a Jumbo Mortgage Loan, (i) has a cumulative loan to
value ratio greater than 90%, (ii) has a FICO score less than 700, (iii) is not fully documented as to income or asset values, (iv) is not eligible for purchase by two Approved Investors with short-term unsecured obligations rated not
lower than A-1/P-1, (v) is not sold to an Approved Investor with short-term unsecured obligations rated not lower than A-1/P-1, or (vi) has not been prior approved by an Approved Investor for purchase except in cases where the Seller has
delegated underwriting guaranties for Mortgage Loans with an original principal balance up to One Million dollars ($1,000,000). 
 (8) [Reserved.] 
 (9) That was originated more than thirty
(30) days before its Purchase Date. 
 (10) That is In Default or ever was In Default. 

(11) That contains any term or condition such that the repayment schedule results in the outstanding principal balance
increasing over time, rather than amortizing, whether or not such Mortgage Loan is deemed to be an “option ARM”, “negative amortization” or “graduated payment” loan. The Agent, the Buyers and the Custodian may rely on a
Seller’s representation and warranty that any Mortgage Loan duly sold to the Buyers amortizes over time. 

(12) In connection with the origination of which a policy of single-premium life insurance on the life of a mortgagor,
borrower or guarantor was purchased. 
 (13) That (i) is subject to the special Truth-in-Lending disclosure
requirements imposed by Section 32 of Regulation Z of the Federal Reserve Board (12 C.F.R. § 226.32) or any similar state or local Law relating to high interest rate credit or lending transactions or (ii) contains any term or
condition, or involves any loan origination practice, that (1) has been defined as “high cost”, “high risk”, “predatory”, “covered”, “threshold” or a similar term under any such applicable
federal, state or local law, (2) has been expressly categorized as an “unfair” or “deceptive” term, condition or practice in any such applicable federal, state or local law (or the regulations promulgated thereunder) or
(3) by the terms of such Law exposes assignees of Mortgage Loans to possible civil or criminal liability or damages or exposes any Buyer or the Agent to regulatory action or enforcement proceedings, penalties or other sanctions. The Agent,
Buyers and Custodian may rely on a Seller’s representation and warranty that no Purchased Loan is such a loan. 
 (14) That a Seller or any Affiliate has previously warehoused with any other Person, whether under a lending arrangement or an arrangement involving a sale in contemplation of a subsequent further sale to
(or securitization by) a secondary mortgage market purchaser, whether with or without such Seller’s having any conditional repurchase or other recourse obligation, and that was rejected or became ineligible or disqualified to be lent against or
purchased and held by such other Person. The Agent, Buyers and Custodian may rely on a Seller’s representation and warranty that no Purchased Loan is such a loan. 

  
 C-2

 (15) That a Seller or any Affiliate sold and transferred, or attempted to
sell and transfer, to any other Person; provided, that a Purchased Loan shall not cease to be an Eligible Loan as a result of the return of such Purchased Loan by an Investor to which it was shipped by the Custodian. 

(16) In the case of a First Mortgage Loan, that has a loan to value ratio greater than eighty percent (80%) unless
such Mortgage Loan is guaranteed by VA or is insured by FHA or private mortgage insurance provided by a provider acceptable to the Agent. 
 (17) Except qualifying, FHA Loans and VA Loans, that has a Cumulative Loan-to-Value Ratio greater than one hundred percent (100%). 

(18) Unless all of a Seller’s right, title and interest in and to the Purchased Loan is subject to a first priority
perfected security interest in favor of the Agent for the benefit of the Buyers subject to no other liens, security interests, charges or encumbrances other than such Seller’s right to repurchase the Purchased Loan hereunder. 

(19) Unless all the representations and warranties set forth in this Agreement, including, without limitation,
Section 15.3 and Section 15.4 are true and correct with respect to such Purchased Loan at all times on and after the related Purchase Date. 

(20) That is not covered by an Investor Commitment or Hedge Agreement. 

  
 C-3

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