Document:

Sixth Amendment to First Amended and Restated Warehousing Credit

  
 Exhibit 10(o)

  
 SIXTH AMENDMENT TO 
 FIRST AMENDED AND RESTATED 
 WAREHOUSING CREDIT AND SECURITY AGREEMENT 
  
 SIXTH AMENDMENT TO
FIRST AMENDED AND RESTATED WAREHOUSING CREDIT AND SECURITY AGREEMENT (this “Amendment”) dated as of October 20, 2004, between UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC, a Florida limited liability company
(“UAMCLLC”), EAGLE HOME MORTGAGE, INC., a Washington corporation (“EHMI”). AMERISTAR FINANCIAL SERVICES, INC., a California corporation (“AFSI”), UNIVERSAL AMERICAN MORTGAGE COMPANY OF CALIFORNIA, a
California corporation (“UAMCC”), and UAMC ASSET CORP. II, a Nevada corporation (“UAMC Asset”) (UAMCLLC, EHMI, AFSI, UAMCC and UAMC Asset, collectively and severally, “Borrower”) RESIDENTIAL FUNDING
CORPORATION, a Delaware corporation (“RFC”). BANK ONE, NA, a national banking association (“Bank One”). U.S. BANK NATIONAL ASSOCIATION, a national banking association (“U.S. Bank”). SUNTRUST BANK, a
state bank organized under the laws of Georgia (“Suntrust”). NATIONAL CITY BANK OF KENTUCKY, a national banking association (“NCBK”), COMERICA BANK (“Comerica”). CALYON NEW YORK BRANCH, f/k/a CREDIT
LYONNAIS NEW YORK BRANCH (“Calyon”), WASHINGTON MUTUAL BANK, FA (“WaMu”) (RFC, Bank One, U.S. Bank, Suntrust, NCBK, Comerica, Calyon, WaMu, and any additional lender as may from time to time become a party hereto
and their respective successors and permitted assigns being referred to individually as a “Lender” and collectively as the “Lenders”), and RFC as credit agent for the Lenders (in such capacity, the “Credit
Agent”). 
  

	 	A.	Borrower, Lenders and Credit Agent have entered into a revolving mortgage warehousing facility with a present Warehousing Commitment Amount of $355,000,000, which is evidenced by a
First Amended and Restated Warehousing Credit and Security Agreement dated as of October 23, 2003 (as the same may have been and may be amended or supplemented, the “Agreement”), and by certain Notes as described in the Agreement.

  

	 	B.	Borrower, Lenders and Credit Agent have agreed to add WaMu as a Lender and to amend the Agreement, subject to the terms and conditions of this Amendment. 

 
 NOW, THEREFORE, the parties to this Amendment agree as follows: 
  

	1.	Subject to Borrower’s satisfaction of the conditions set forth in Section 16, the effective date of this Amendment is October 21, 2004 (“Effective Date”).

  

	2.	Unless otherwise defined in this Amendment, all capitalized terms have the meanings given to those terms in the Agreement. Defined terms may be used in the singular or the plural,
as the context requires. The words “include,” “includes” and “including” are deemed to be followed by the phrase “without limitation.” Unless the context in which it is used otherwise clearly requires, the
word “or” has the inclusive meaning represented by the phrase “and/or.” References to Sections and Exhibits are to Sections and Exhibits of this Amendment unless otherwise expressly provided. 

  

	3.	 Upon the Effective Date of this Amendment, WaMu shall become a party to the Agreement as a Lender and shall be entitled to all of the rights, and be subject to all
of the obligations, of a Lender under the Loan Documents; provided, WaMu shall have no liability for any action taken or required to be taken prior to the Effective Date. All references to Lenders in the Loan Documents shall be deemed to include
WaMu. The address for WaMu, for the 

  

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purpose of Notices pursuant to Section 10 of the Agreement, shall be as set forth beneath its signature on the signature page hereof.

  

	4.	Article 1 of the Agreement is amended and restated in its entirety as set forth in Article 1 attached to this Amendment. All references in the Agreement and other Loan
Documents to Article 1 (including each and every Section in Article 1) are deemed to refer to the new Article 1. 

  

	5.	Article 2 of the Agreement is amended and restated in its entirety as set forth in Article 2 attached to this Amendment. All references in the Agreement and other Loan
Documents to Article 2 (including each and every Section in Article 2) are deemed to refer to the new Article 2. 

  

	6.	Article 3 of the Agreement is amended and restated in its entirety as set forth in Article 3 attached to this Amendment. All references in the Agreement and other Loan
Documents to Article 3 (including each and every Section in Article 3) are deemed to refer to the new Article 3. 

  

	7.	Article 5 of the Agreement is amended and restated in its entirety as set forth in Article 5 attached to this Amendment. All references in the Agreement and other Loan
Documents to Article 5 (including each and every Section in Article 5) are deemed to refer to the new Article 5. 

  

	8.	Article 9 of the Agreement is amended and restated in its entirety as set forth in Article 9 attached to this Amendment. All references in the Agreement and other Loan
Documents to Article 9 (including each and every Section in Article 9) are deemed to refer to the new Article 9. 

  

	9.	Article 10 of the Agreement is amended and restated in its entirety as set forth in Article 10 attached to this Amendment. All references in the Agreement and other
Loan Documents to Article 10 (including each and every Section in Article 10) are deemed to refer to the new Article 10. 

  

	10.	Article 11 of the Agreement is amended and restated in its entirety as set forth in Article 11 attached to this Amendment. All references in the Agreement and other
Loan Documents to Article 11 (including each and every Section in Article 11) are deemed to refer to the new Article 11. 

  

	11.	Article 12 of the Agreement is amended and restated in its entirety as set forth in Article 12 attached to this Amendment. All references in the Agreement and other
Loan Documents to Article 12 (including each and every Section in Article 12) are deemed to refer to the new Article 12. 

  

	12.	Article 13 of the Agreement is amended and restated in its entirety as set forth in Article 13 attached to this Amendment. All references in the Agreement and other
Loan Documents to Article 13 (including each and every Section in Article 13) are deemed to refer to the new Article 13. 

  

	13.	Exhibit H to the Agreement is deleted in its entirety and replace with the new Exhibit H attached hereto. All references in this Amendment and the Agreement to
Exhibit H will be deemed to refer to the new Exhibit H. 

  

 Page 2 

	14.	Exhibit J to the Agreement is deleted in its entirety and replace with the new Exhibit J attached hereto. All references in this Amendment and the Agreement to
Exhibit J will be deemed to refer to the new Exhibit J. 

  

	15.	Upon execution of this Amendment, Borrower must pay to Credit Agent for the account of each Lender the Warehousing Commitment Fee for the time period from October 21, 2004 to and
including April 21, 2005 (the “Commitment Fee”). 

  

	16.	Borrower must deliver to Credit Agent (a) nine executed copies of this Amendment, (b) the Commitment Fee, (c) an executed Warehousing Note made payable to WaMu, (d) an executed
Sublimit Note made payable to WaMu, (e) an executed WaMu Promissory Note made payable to WaMu, (f) an executed RFC Promissory Note made payable to RFC, and (g) a $500 document production fee. 

  

	17.	Borrower represents, warrants and agrees that (a) there exists no Default or Event of Default under the Loan Documents, (b) the Loan Documents continue to be the legal, valid and
binding agreements and obligations of Borrower, enforceable in accordance with their terms, as modified by this Amendment, (c) no Lender is in default under any of the Loan Documents and Borrower has no offset or defense to its performance or
obligations under any of the Loan Documents, (d) except for changes permitted by the terms of the Agreement, Borrower’s representations and warranties contained in the Loan Documents are true, accurate and complete in all respects as of the
Effective Date and (e) there has been no material adverse change in Borrower’s financial condition from the date of the Agreement to the Effective Date. 

  

	18.	Except as expressly modified, the Agreement is unchanged and remains in full force and effect, and Borrower ratifies and reaffirms all of its obligations under the Agreement and the
other Loan Documents. 

  

	19.	This Amendment may be executed in any number of counterparts, each of which will be deemed an original, but all of which shall together constitute but one and the same instrument.

  
 IN WITNESS WHEREOF, Borrower, each Lender and Credit Agent have
caused this Amendment to be duly executed on their behalf by their duly authorized officers as of the day and year above written. 
  

									
	BORROWERS:	 	 	 	 UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC,
 a Florida limited liability company
  

	 	 	 	 	 	 	 	 	 /s/ Janice Muñoz

	 	 	 	 	 	 	By:	 	 Janice Muñoz

	 	 	 	 	 	 	 Its:
	 	 Vice President/Treasurer

			
	 	 	 	 	 EAGLE HOME MORTGAGE, INC.,
 a
Washington corporation
  

	 	 	 	 	 	 	 	 	 /s/ Janice Muñoz

	 	 	 	 	 	 	By:	 	 Janice Muñoz

	 	 	 	 	 	 	 Its:
	 	 Vice President

  

 Page 3 

			
	 AMERISTAR FINANCIAL SERVICES, INC.,
 a California corporation

		
	 	 	 /s/ Janice Muñoz

	 By:
	 	 Janice Muñoz

	 Its:
	 	 Vice President

	
	 UNIVERSAL AMERICAN MORTGAGE COMPANY OF CALIFORNIA,
 a California corporation

		
	 	 	 /s/ Janice Muñoz

	 By:
	 	 Janice Muñoz

	 Its:
	 	 Vice President/Treasurer

	
	 UAMC ASSET CORP. II,
 a Nevada corporation

		
	 	 	 /s/ Janice Muñoz

	 By:
	 	 Janice Muñoz

	 Its:
	 	 Vice President/Treasurer

  

 Page 4 

									
	CREDIT AGENT:	 	 	 	 RESIDENTIAL FUNDING CORPORATION,
 a Delaware corporation

					
	 	 	 	 	 	 	 	 	 /s/ Donna A. West

	 	 	 	 	 	 	 By:
	 	 Donna A. West

	 	 	 	 	 	 	 Its:
	 	 Director

			
	LENDERS:	 	 	 	 RESIDENTIAL FUNDING CORPORATION,
 a Delaware corporation

					
	 	 	 	 	 	 	 	 	 /s/ Donna A. West

	 	 	 	 	 	 	 By:
	 	 Donna A. West

	 	 	 	 	 	 	 Its:
	 	 Director

			
	 	 	 	 	 BANK ONE, NA,
 a national banking association

					
	 	 	 	 	 	 	 	 	 /s/ Kenneth Nelson

	 	 	 	 	 	 	 By:
	 	 Kenneth Nelson

	 	 	 	 	 	 	 Its:
	 	 Director

			
	 	 	 	 	 U.S. BANK NATIONAL ASSOCIATION,
 a national banking association

					
	 	 	 	 	 	 	 	 	 /s/ Kathleen M. Connor

	 	 	 	 	 	 	 By:
	 	 Kathleen M. Connor

	 	 	 	 	 	 	 Its:
	 	 Vice President

			
	 	 	 	 	 SUNTRUST BANK,
 a state bank
organized under the laws of Georgia

					
	 	 	 	 	 	 	 	 	 /s/ Robert E. Hummel

	 	 	 	 	 	 	 By:
	 	 Robert E. Hummel

	 	 	 	 	 	 	 Its:
	 	 Senior Vice President

			
	 	 	 	 	 NATIONAL CITY BANK OF KENTUCKY,
 a national banking association

					
	 	 	 	 	 	 	 	 	 /s/ Mary Jo Reiss

	 	 	 	 	 	 	 By:
	 	 Mary Jo Reiss

	 	 	 	 	 	 	 Its:
	 	 Vice President

			
	 	 	 	 	 COMERICA BANK
 a Michigan banking corporation

					
	 	 	 	 	 	 	 	 	 /s/ Robert W. Marr

	 	 	 	 	 	 	 By:
	 	 Robert W. Marr

	 	 	 	 	 	 	 Its:
	 	 Vice President

  

 Page 5 

			
	 CALYON NEW YORK BRANCH, f/k/a
 CREDIT LYONNAIS NEW YORK BRANCH

	
	 /s/ Attila Coach

	 By:
	 	 Attila Coach

	 Its:
	 	 Senior Vice President

			
	
	 /s/ Philippe Soustra

	 By:
	 	 Philippe Soustra

	 Its:
	 	 Executive Vice President

			
	
	WASHINGTON MUTUAL BANK, FA
		
	 By:
	 	 
	 Its:
	 	 

			
	
	NOTICE ADDRESS:
	 Attention:
	 	 
	 Facsimile:
	 	 

  
 UAMC Signature Page 

Sixth Amendment to the First Amended and Restated Warehousing Credit and Security Agreement 
  

 Page 6 

			
	 CALYON NEW YORK BRANCH, f/k/a
 CREDIT LYONNAIS NEW YORK BRANCH

		
	 By:
	 	 
		
	 Its:
	 	 

  

			
	WASHINGTON MUTUAL BANK, FA
		
	 By:
	 	 /s/ Joseph Meeta

		
	 Its:
	 	 FVP

			
	NOTICE ADDRESS:
	 Washington Mutual Bank

	 555 Dividend Drive

	 Coppell, TX 75019

	 Attention:
	 	 Eva Torres

	 Facsimile:
	 	 469 549-8920

  

 Page 7 

  
 EXHIBIT J 

 
 COMMITMENTS AND MATURITY DATES 
  
 Adopted by Sixth Amendment effective October 21, 2004 
  
 WAREHOUSING COMMITMENT 
  

						
	 LENDER

	  	WAREHOUSING
COMMITMENT
AMOUNT

	  	WAREHOUSING
MATURITY DATE

	 Residential Funding Corporation
	  	$	120,000,000	  	October 21, 2005
	 Bank One
	  	$	50,000,000	  	April 21, 2005
	 U.S. Bank
	  	$	60,000,000	  	April 21, 2005
	 SunTrust
	  	$	20,000,000	  	April 21, 2005
	 National City
	  	$	45,000,000	  	April 21, 2005
	 Comerica
	  	$	20,000,000	  	April 21, 2005
	 Calyon New York Branch
	  	$	20,000,000	  	April 21, 2005
	 WaMu
	  	$	40,000,000	  	April 21, 2005
	 	  	
	
	  	 
	 Total:
	  	$	375,000,000	  	 
	 	  	
	
	  	 

  
 RFC/WAMU COMMITMENT

  

					
	 LENDER

	  	 RFC/WAMU COMMITMENT AMOUNT

	  	 WAREHOUSING
MATURITY DATE

	 Residential Funding Corporation
	  	The lesser of (a) $25,000,000, and (b) the difference between RFC’s Warehousing Commitment Amount and the aggregate principal amount of RFC’s Warehousing Advances and
RFC Direct Advances as of such date.	  	October 21, 2005
			
	 WaMu
	  	The lesser of (a) $20,000,000, and (b) the difference between WaMu’s Warehousing Commitment Amount and the aggregate principal amount of WaMu’s Warehousing Advances
as of such date.	  	April 21, 2005

  
 RFC DIRECT
COMMITMENT 
  

					
	 LENDER

	  	 RFC DIRECT COMMITMENT AMOUNT

	  	 WAREHOUSING
MATURITY DATE

	 Residential Funding Corporation
	  	The lesser of (a) $25,000,000, and (b) the difference between RFC’s Warehousing Commitment Amount and the aggregate principal amount of RFC’s Warehousing Advances and
RFC/WaMu Advances as of such date.	  	October 21, 2005

  

 1Second Omnibus Amendment

  
 Exhibit 10(p)

  
 EXECUTION COPY 
  
 SECOND OMNIBUS AMENDMENT 
  
 THIS SECOND OMNIBUS AMENDMENT (this “Amendment”), dated as
of November 17, 2004, is entered into by and among CALYON NEW YORK BRANCH (successor in interest to Credit Lyonnais New York Branch) (together with its successors and assigns, “Calyon New York”), as the Administrative Agent, as a
Bank and as a Managing Agent, JPMORGAN CHASE BANK (formerly known as Bank One, NA (Main Office Chicago)) (together with its successors and assigns, “JPMorgan Chase”), as a Bank and as a Managing Agent, RESIDENTIAL FUNDING
CORPORATION, as the Collateral Agent, UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC, as the Servicer, an Originator and a Seller, UAMC CAPITAL, LLC, as the Borrower and the Buyer, and UNIVERSAL AMERICAN MORTGAGE COMPANY OF CALIFORNIA, as an Originator
and a Seller. Capitalized terms used and not otherwise defined herein are used as defined in the related Operative Documents (as defined below). 
  
 RECITALS 
  
 WHEREAS, Universal American Mortgage Company, LLC and Universal American Mortgage Company of California, as Sellers, and UAMC Capital, LLC, as the Buyer,
entered into that certain Master Repurchase Agreement and Addendum to the Master Repurchase Agreement incorporated therein, dated as of May 23, 2003 (as the same may be amended, restated, supplemented or modified from time to time, the
“Repurchase Agreement”); 
  
 WHEREAS, the
Borrower, the Administrative Agent and Residential Funding Corporation entered into that certain Collateral Agency Agreement, dated as of May 23, 2003, as amended by the First Omnibus Amendment, dated as of December 22, 2003, among UAMC Capital,
LLC, as the Borrower, Calyon New York, as a Bank, a Managing Agent and as the Administrative Agent, JPMorgan Chase, as a Bank and as a Managing Agent, Residential Funding Corporation, as the Collateral Agent, and Universal American Mortgage Company,
LLC, as the Servicer (the “First Omnibus Amendment”) (as the same may be amended, restated, supplemented or modified from time to time, the “Collateral Agency Agreement”); 
  
 WHEREAS, UAMC Capital, LLC, as the Borrower, Universal American Mortgage
Company, LLC, as the Servicer, Atlantic Asset Securitization Corp., as an Issuer, Calyon New York, as a Bank, the Administrative Agent and a Managing Agent, JPMorgan Chase, as a Bank, a Seasonal Bank and a Managing Agent, Jupiter Securitization
Corporation as an Issuer and a Seasonal Issuer, Universal American Mortgage Company, LLC, as an Originator and a Seller, and Universal American Mortgage Company of California, as an Originator and a Seller, have entered into a Loan Agreement dated
as of May 23, 2003, as amended by the First Omnibus Amendment (as the same may be amended, restated, supplemented or modified from time to time, the “Loan Agreement” and, collectively with the Repurchase Agreement and the Collateral
Agency Agreement, the “Operative Documents”); 
  
 WHEREAS, the parties to the Operative Documents hereto desire to amend the Operative Documents as hereinafter set forth in this Amendment; 
  

 1 

 NOW, THEREFORE, the parties agree as follows: 
  
 Section 1. Amendments to Collateral Agency Agreement. 
  
 (a) Section 3.8(a) of the Collateral Agency Agreement is hereby amended by
deleting the first paragraph thereof in its entirety and replacing it with the following: 
  
 (a) At the commencement of each Business Day, and in no event later than 10:00 a.m. (eastern time), the Collateral Agent shall furnish to the Borrower, Servicer and the Managing Agents by facsimile (a hard copy of
which shall not subsequently be mailed, sent or delivered to any such party, unless so requested by such party) a duly completed report in the form of Exhibit D-8 hereto (the “Collateral Agent Daily Report”), specifying and
certifying the then total Collateral Value of the Eligible Mortgage Collateral (including the amount on deposit in the Collection Account as reported by JPMorgan Chase to the Collateral Agent) as of the close of business on the previous day, and
other information, all as more fully provided for therein and as set forth on Schedule I thereto, noting any applicable Exceptions on Schedule I thereto. At the commencement of each Business Day, and in no event later than 9:00 a.m.
(eastern time), the Servicer shall furnish to the Collateral Agent, either by facsimile or electronic transmission, (1) a report setting forth (i) all of the Mortgage Loans (“Released Mortgage Loans”) for which payments that have been
deposited into the Collection Account and accordingly with respect to which the Lenders’ security interest has been released, and (ii) the amount of any payments (“Unidentified Payments”) that have been deposited into the Collection
Account, to the extent that the Servicer has not identified the Mortgage Loan to which any such payment relates such that the Lenders’ security interest could be released, and (2) a duly completed report in the form of Exhibit D-9 hereto
(the “Servicer Subprime Loan Compliance Report”), specifying and certifying the Subprime Loans that do not meet the Subprime Loan Rating Criteria. The Servicer shall provide a copy of the report described in (2) of the foregoing
sentence to the Administrative Agent, but a copy of the report described in (1) of the foregoing sentence shall not subsequently be mailed, sent or delivered to the Administrative Agent, unless so requested by the Administrative Agent. The
Collateral Agent shall exclude all such Released Mortgage Loans, Unidentified Payments and Subprime Loans that do not meet the Subprime Loan Rating Criteria (without duplicating any deduction in respect of the same Mortgage Loan) from the total
Collateral 

  

 2 

 
Value of the Eligible Mortgage Collateral provided in the Collateral Agent Daily Report for such Business Day. 
  
 (b) Section 3.8(a)(i) of the Collateral Agency Agreement is hereby amended by
deleting the words “Conforming Loan or a Jumbo Loan” on the last two lines thereof and replacing them with the words “Conforming Loan, a Jumbo Loan, a Subprime Loan or an Alt-A Loan”. 
  
 (c) Section 4.2(f)(iii) of the Collateral Agency Agreement is hereby amended
by deleting the words “or a Jumbo Loan” and replacing them with the words “, a Jumbo Loan or a Subprime Loan”. 
  
 (d) Section 6.2 of the Collateral Agency Agreement is hereby amended by adding a comma immediately after the words “the Borrower” where they
appear on the third line thereof. 
  
 (e) Schedule III (Approved
Investors) to the Collateral Agency Agreement is hereby amended by deleting it in its entirety and replacing it with the Schedule III attached hereto. 
  
 (f) The definition of Advance Rate in Exhibit D-1 (Definitions) of the Collateral Agency Agreement is hereby amended by deleting it in its entirety and
replacing it with the following: 
  
 “Advance Rate” means (i) with respect to a Conforming Loan or a Jumbo Loan (other than a Super Jumbo Loan), ninety-eight percent (98%), (ii) with respect to an Alt-A Loan, ninety-seven percent (97%) and (iii) with respect
to a Super Jumbo Loan or a Subprime Loan, ninety-five percent (95%). 
  
 (g) The definition of Approved Investor in Exhibit D-1 (Definitions) of the Collateral Agency Agreement is hereby amended by adding the words “, as such Schedule may be updated from time to time as agreed by the parties hereto”
immediately following the words “attached hereto”. 
  
 (h) Exhibit D-1 (Definitions) of the Collateral Agency Agreement is hereby amended by adding the following definition immediately after the definition of the term “Agreement”: 
  
 “Alt-A Loan” means a Mortgage Loan (other
than a Conforming Loan, a Jumbo Loan or a Subprime Loan) that (1) does not conform to the conventional underwriting standards of Fannie Mae, Freddie Mac or Ginnie Mae but that is underwritten by an Approved Investor (other than Fannie Mae, Freddie
Mac or Ginnie Mae), within guidelines generally acceptable to industry norms for “Alt-A” loans, (2) has a demonstrated secondary market, and (3) matches all applicable requirements for purchase under the requirements of a Take-Out
Commitment specifically issued for the purchase of such Mortgage Loan. 
  

 3 

 (i) The definition of Collateral Value in Exhibit D-1 (Definitions) of the Collateral Agency Agreement is
hereby amended by: 
  
 (i) deleting clause (d) of
the proviso in its entirety and replacing it with the following: 
  
 (d) at any time, the portion of the total Collateral Value that may be attributable to Subprime Loans shall not exceed zero percent (0%) of the Maximum Facility Amount or, during the Seasonal Period, zero percent (0%)
of the Combined Facility Amount; provided, that in determining the amount of Collateral Value that may be attributable to Subprime Loans, the Subprime Loan Rating Criteria shall apply; 
  
 (ii) adding the following paragraph immediately following
paragraph (d) of the proviso: 
  
 (e) at any
time, the portion of the total Collateral Value that may be attributable to Alt-A Loans shall not exceed twenty percent (20%) of the Maximum Facility Amount or, during the Seasonal Period, twenty percent (20%) of the Combined Facility Amount;

  
 and 
  
 (iii) renumbering existing paragraphs (e), (f) and (g) of
the proviso to the definition of Collateral Value as paragraphs (f), (g) and (h), respectively. 
  
 (j) The definition of Eligible Mortgage Loan in Exhibit D-1 (Definitions) of the Collateral Agency Agreement is hereby amended by deleting paragraph (b)
thereof it in its entirety and replacing it with the following: 
  
 (b) that is a Conforming Loan, a Jumbo Loan, a Subprime Loan or an Alt-A Loan; 
  
 (k) Exhibit D-l (Definitions) of the Collateral Agency Agreement is hereby amended by adding the following after the definition of Loan Agreement:

  
 “Loan-to-Value Ratio” means,
with respect to any Mortgage Loan, the fraction, expressed as a percentage found by dividing (a) the original principal balance of a Mortgage Loan, plus the value of any other mortgage loans secured by such property, by (b) the value of the Mortgage
Loan, such value being measured by (i) the appraised value of such property at such time, if the Mortgage Loan is a refinance of an existing lien or (ii) the lower of the sales price of the related property at the time of origination of 

  

 4 

 
the Mortgage Loan or the appraised value of such property at such time, if the Mortgage Loan is a purchased money loan. 
  
 (l) The definition of Maximum Facility Amount in Exhibit D-1 (Definitions) of
the Collateral Agency Agreement is hereby amended by deleting the amount “$150,000,000” and replacing it with “$300,000,000”. 
  
 (m) Exhibit D-l (Definitions) of the Collateral Agency Agreement is hereby amended by adding the following after the definition of Mortgage Origination
Date: 
  
 “Mortgagor Credit
Rating” means a credit rating assigned to an Obligor by the related Originator based on such Originator’s established underwriting guidelines in effect as of the date of origination and that is in conformity with accepted secondary
market standards for the applicable type of mortgage loan. 
  
 (n)
The definition of Non-Conforming Loan in Exhibit D-l (Definitions) of the Collateral Agency Agreement is hereby amended by adding the words “, a Subprime Loan or an Alt-A Loan” after the words “Jumbo Loan”. 
  
 (o) Exhibit D-l (Definitions) of the Collateral Agency Agreement is hereby
amended by adding the following after the definition of Servicer Performance Guaranty: 
  
 “Servicer Subprime Loan Compliance Report” is defined in Section 3.8(a) of this Agreement. 
  
 (p) Exhibit D-l (Definitions) of the Collateral Agency Agreement is hereby
amended by adding the following after the definition of Subordination Agreement: 
  
 “Subprime Loan” means a Mortgage Loan (other than a Conforming Loan, a Jumbo Loan or an Alt-A Loan) that (1) is
underwritten by an Approved Investor, (2) matches all applicable requirements for purchase under the requirements of a Take-Out Commitment specifically issued for the purchase of such Mortgage Loan, and (3) differs from a Conforming Loan because of
the credit quality of the Obligor, and is originated by the Originator or by a correspondent of the Originator using the established underwriting guidelines for subprime loans of the Originator, which are the same underwriting guidelines that the
Originator uses to originate subprime loans for sales into the secondary mortgage market. 
  
 “Subprime Loan Rating Criteria” means that (i) no more than 10% (by Collateral Value) of the Subprime Loans shall have
Obligors with Mortgagor Credit Ratings of C or lower, (ii) at least 70% (by Collateral Value) of the Subprime Loans shall have Obligors with Mortgagor Credit Ratings of A- and (iii) 100% of the 

  

 5 

 
Subprime Loans shall have a weighted average Loan-to-Value Ratio of no more than 90%. In determining whether Subprime Loans meet these criteria on a given
day, the Collateral Agent shall rely on the information provided by the Servicer on the Servicer Subprime Loan Compliance Report for such day. 
  
 (q) Exhibit D-6(a) (Form of Bailee and Security Agreement Letter for Approved Investors) to the Collateral Agency Agreement is hereby amended by adding
the following below the words “WIRE INSTRUCTIONS TO COLLECTION ACCOUNT:”: 
  

			
	Bank Name:	 	JPMorgan Chase Bank (formerly known as Bank One, NA)

  
 (r) Exhibit D-8 (Form
of Collateral Agent Daily Report) to the Collateral Agency Agreement is hereby amended by deleting it in its entirety and replacing it with the Exhibit D-8 attached hereto. 
  
 (s) The Collateral Agency Agreement is hereby amended by adding Exhibit D-9 (Form of Servicer Subprime Loan Compliance
Report) thereto in the form attached as Exhibit D-9 hereto. 
  
 Section 2. Amendments to the Loan Agreement 
  
 (a) The definition of Advance Rate in Section 1.1 of the Loan Agreement is hereby amended by deleting it in its entirety and replacing it with the following: 
  
 “Advance Rate” means (i) with respect to a Conforming Loan or a Jumbo Loan (other than a
Super Jumbo Loan), ninety-eight percent (98%), (ii) with respect to an Alt-A Loan, ninety-seven percent (97%) and (iii) with respect to a Super Jumbo Loan or a Subprime Loan, ninety-five percent (95%). 
  
 (b) The definition of Approved Investor in Section 1.1 of the Loan Agreement
is hereby amended by inserting the following immediately after the last sentence of the last paragraph thereof: 
  
 The parties hereto agree that, with respect to Subprime Loans, “Approved Investor” means only those Persons specifically designated on
Schedule II hereto (as it may be updated from time to time) as an Approved Investor for Subprime Loans. 
  
 (c) Section 1.1 of the Loan Agreement is hereby amended by adding the following definition immediately after the definition of the term
“Agreement”: 
  
 “Alt-A
Loan” means a Mortgage Loan (other than a Conforming Loan, a Jumbo Loan or a Subprime Loan) that (1) 

  

 6 

 
does not conform to the conventional underwriting standards of Fannie Mae, Freddie Mac or Ginnie Mae but that is underwritten by an Approved Investor (other
than Fannie Mae, Freddie Mac or Ginnie Mae), within guidelines generally acceptable to industry norms for “Alt-A” loans, (2) has a demonstrated secondary market, and (3) matches all applicable requirements for purchase under the
requirements of a Take-Out Commitment specifically issued for the purchase of such Mortgage Loan. 
  
 (d) The definition of Collateral Value in Section 1.1 of the Loan Agreement is hereby amended by: 
  
 (i) deleting clause (d) of the proviso in its entirety and
replacing it with the following: 
  
 (d) at any
time, the portion of the total Collateral Value that may be attributable to Subprime Loans shall not exceed zero percent (0%) of the Maximum Facility Amount or, during the Seasonal Period, zero percent (0%) of the Combined Facility Amount;
provided, that in determining the amount of Collateral Value that may be attributable to Subprime Loans, the Subprime Loan Rating Criteria shall apply; 
  

(ii) adding the following paragraph immediately following such paragraph (d) of the proviso to the definition of Collateral Value:

  
 (e) at any time, the portion of the total
Collateral Value that may be attributable to Alt-A Loans shall not exceed twenty percent (20%) of the Maximum Facility Amount or, during the Seasonal Period, twenty percent (20%) of the Combined Facility Amount; 
  
 and 
  
 (iii) renumbering existing paragraphs (e), (f) and (g) of the proviso to the definition of Collateral Value
as paragraphs (f), (g) and (h), respectively. 
  
 (e) The
definition of Eligible Mortgage Loan in Section 1.1 of the Loan Agreement is hereby amended by deleting paragraph (b) thereof it in its entirety and replacing it with the following: 
  
 (b) that is a Conforming Loan, a Jumbo Loan, a Subprime Loan or an Alt-A Loan; 
  
 (f) The definition of Issuer Facility Amount in Section 1.1 of the Loan
Agreement is hereby amended by (i) deleting the amount “$100,000,000” in clause (a) thereof and replacing it 

  

 7 

 
with “$200,000,000” and (ii) deleting the amount “$50,000,000” in clause (b) thereof and replacing it with “$100,000,000”.

  
 (g) Section 1.1 of the Loan Agreement is hereby amended by
adding the following after the definition of Liquidity Agreement: 
  
 “Loan-to-Value Ratio” means, with respect to any Mortgage Loan, the fraction, expressed as a percentage found by dividing (a) the original principal balance of a Mortgage Loan, plus the value of any
other mortgage loans secured by such property, by (b) the value of the Mortgage Loan, such value being measured by (i) the appraised value of such property at such time, if the Mortgage Loan is a refinance of an existing lien or (ii) the lower of
the sales price of the related property at the time of origination of the Mortgage Loan or the appraised value of such property at such time, if the Mortgage Loan is a purchased money loan. 
  
 (h) The definition of Maximum Facility Amount in Section 1.1 of the Loan
Agreement is hereby amended by deleting the amount “$150,000,000” and replacing it with “$300,000,000”. 
  
 (i) Section 1.1 of the Loan Agreement is hereby amended by adding the following after the definition of Mortgage Origination Date: 
  
 “Mortgagor Credit Rating” means a credit
rating assigned to an Obligor by the related Originator based on such Originator’s established underwriting guidelines in effect as of the date of origination and that is in conformity with accepted secondary market standards for the applicable
type of mortgage loan. 
  
 (j) The definition of Non-Conforming
Loan in Section 1.1 of the Loan Agreement is hereby amended by adding the words “, a Subprime Loan or an Alt-A Loan” after the words “Jumbo Loan”. 
  
 (k) The definition of Seasonal Bank Commitment Percentage in Section 1.1 of the Loan Agreement is hereby amended by deleting
the words “Schedule II” on the last line thereof and replacing them with the words “Schedule I”. 
  
 (l) Section 1.1 of the Loan Agreement is hereby amended by adding the following after the definition of Servicer Performance Guaranty: 
  
 “Servicer Subprime Loan Compliance Report”
is defined in Section 3.8(a) of the Collateral Agency Agreement. 
  

 8 

 (m) Section 1.1 of the Loan Agreement is hereby amended by adding the following after the definition of
Subordination Agreement: 
  
 “Subprime
Loan” means a Mortgage Loan (other than a Conforming Loan, a Jumbo Loan or an Alt-A Loan) that (1) is underwritten by an Approved Investor, (2) matches all applicable requirements for purchase under the requirements of a Take-Out Commitment
specifically issued for the purchase of such Mortgage Loan, and (3) differs from a Conforming Loan because of the credit quality of the Obligor, and is originated by the Originator or by a correspondent of the Originator using the established
underwriting guidelines for subprime loans of the Originator, which are the same underwriting guidelines that the Originator uses to originate subprime loans for sales into the secondary mortgage market. 
  
 “Subprime Loan Rating Criteria” means that
(i) no more than 10% (by Collateral Value) of the Subprime Loans shall have Obligors with Mortgagor Credit Ratings of C or lower, (ii) at least 70% (by Collateral Value) of the Subprime Loans shall have Obligors with Mortgagor Credit Ratings of A-
and (iii) 100% of the Subprime Loans shall have a weighted average Loan-to-Value Ratio of no more than 90%. In determining whether Subprime Loans meet these criteria on a given day, the Collateral Agent shall rely on the information provided by the
Servicer on the Servicer Subprime Loan Compliance Report for such day. 
  
 (n) The definition of Take-Out Commitment in Section 1.1 of the Loan Agreement is hereby amended by deleting it in its entirety and by replacing it with the following: 
  
 “Take-Out Commitment” means: 
  

	 	(A)	 with respect to Conforming Mortgage Loans that are included in the Eligible Mortgage Collateral, a current, valid, binding, enforceable, written commitment (either
in the form of a loan-specific or a forward purchase commitment), issued by an Approved Investor, to purchase one or more Mortgage Loans from one of the Originators prior to the date that is 120 days from the date that such Mortgage Loan first
becomes Eligible Mortgage Collateral and at a specified price and in amounts, form and substance satisfactory to the Managing Agents, which commitment is not subject to any term or condition (i) that is not customary in commitments of like nature or
(ii) that, in the reasonably anticipated course of events, cannot be fully complied with prior to the expiration thereof, which commitment has been assigned to the Borrower (partial assignments being permitted so long as the amount assigned
(together with all other Take-Out Commitments) fully covers the amount of the Eligible Mortgage Collateral) and in which a perfected and first-priority security interest has been 

  

 9 

	 	 
granted by the Borrower to the Administrative Agent; provided, that upon receipt of the actual written confirmation (each a “Trade Confirmation”)
of such trade duly executed by one of the Originators and the trade counterparty and promptly upon request of the Administrative Agent, such Originator must provide such trade confirmation to the Administrative Agent. The Administrative Agent, on
behalf of the Lenders shall have the right, without notice, to review such Trade Confirmation at the office of, and with the officers of, any of the Originators during normal business hours; or 

  

	 	(B)	with respect to the Non-Conforming Loans included in the Eligible Mortgage Collateral, a current, valid, binding, enforceable, written commitment (which may be transmitted
electronically), issued by an Approved Investor, to purchase loans with characteristics of such Non-Conforming Loans from the Originator from time to time at a specified price (or a specified spread to an agreed-upon index) and in amounts, and upon
terms, satisfactory to the Managing Agents, which commitment is not subject to any term or condition (i) that is not customary in commitments of like nature or (ii) that, in the reasonably anticipated course of events, cannot be fully complied with
prior to the expiration thereof, the rights but not the obligations under which commitment have been assigned to the Borrower (partial assignments being permitted so long as the aggregate amount assigned fully covers the amount of the Eligible
Mortgage Collateral) and in which a perfected and first-priority security interest has been granted by the Borrower to the Administrative Agent, for the benefit of the Lenders. 

  
 (o) Section 3.2(a) of the Loan Agreement is hereby amended by deleting the
words “Schedules I and I” and replacing them with the words “Schedule I and Schedule II”. 
  
 (p) Section 6.17 of the Loan Agreement is hereby amended by deleting the last sentence thereof in its entirety and replacing it with the following:

  
 The Borrower shall ensure that each of such Take-Out
Commitments (i) shall reflect only those terms and conditions as are permitted hereunder or are acceptable to the Administrative Agent and the Managing Agents and (ii) in the case of Subprime Loans, shall be issued by an Approved Investor
specifically designated on Schedule II hereto as an Approved Investor for Subprime Loans. 
  
 (q) Section 14.2(d) of the Loan Agreement is hereby amended by deleting the words “Section 8.1(i), (j), (v) or (w)”
and replacing them with the words “Sections 8.1(i), (j) or (v)”. 
  

 10 

 (r) Section 14.2(f) of the Loan Agreement is hereby amended by deleting the words “Section
13.2” and replacing them with the words “Section 14.2”. 
  
 (s) Schedule I of the Loan Agreement is hereby amended by: 
  
 (i) deleting the amount “$100,000,000”, which represents the Bank Commitment of Calyon New York Branch, and replacing it with
“$200,000,000”; and 
  
 (ii) deleting
the amount “$50,000,000”, which represents the Bank Commitment of JPMorgan Chase Bank (formerly known as Bank One, NA (Main Office Chicago)), and replacing it with “$100,000,000”. 
  
 (t) Schedule II of the Loan Agreement is hereby amended by deleting it in its
entirety and replacing it with the Schedule II attached hereto. 
  
 (u) Exhibit C of the Loan Agreement is hereby amended by making the following changes to the table on the left side that refers to both banks: 
  
 (i) deleting the number “150,000,000” where it appears opposite the words “Max Facility Amount” and replacing it with
“300,000,000”; and 
  
 (ii) deleting
the number “110,000,000” where it appears opposite the word “Availability” and replacing it with “260,000,000”. 
  
 Section 3. Amendments to the Repurchase Agreement 
  
 (a) The definition of Advance Rate in Section 1.01 of the Repurchase Agreement is hereby amended by deleting it in its entirety and replacing it with the
following: 
  
 “Advance Rate”
means (i) with respect to a Conforming Loan or a Jumbo Loan (other than a Super Jumbo Loan), ninety-eight percent (98%), (ii) with respect to an Alt-A Loan, ninety-seven percent (97%) and (iii) with respect to a Super Jumbo Loan or a Subprime Loan,
ninety-five percent (95%). 
  
 (b) The definition of Approved
Investor in Section 1.01 of the Repurchase Agreement is hereby amended by inserting the following immediately after the last sentence in the last paragraph thereof: 
  
 The parties hereto agree that, with respect to Subprime Loans, “Approved Investor” means only those Persons
specifically designated on Schedule II hereto (as it may be updated from time to time) as an Approved Investor for Subprime Loans. 
  

 11 

 (c) Section 1.01 of the Repurchase Agreement is hereby amended by adding the following after the
definition of Agreement: 
  
 “Alt-A
Loan” means a Mortgage Loan (other than a Conforming Loan, a Jumbo Loan or a Subprime Loan) that (1) does not conform to the conventional underwriting standards of Fannie Mae, Freddie Mac or Ginnie Mae but that is underwritten by an
Approved Investor (other than Fannie Mae, Freddie Mac or Ginnie Mae), within guidelines generally acceptable to industry norms for “Alt-A” loans, (2) has a demonstrated secondary market, and (3) matches all applicable requirements for
purchase under the requirements of a Take-Out Commitment specifically issued for the purchase of such Mortgage Loan. 
  
 (d) The definition of Collateral Value in Section 1.01 of the Repurchase Agreement is hereby amended by: 
  
 (i) deleting clause (c) of the proviso in its entirety and
replacing it with the following: 
  
 (c) at any
time, the portion of the total Collateral Value that may be attributable to Subprime Loans shall not exceed zero percent (0%) of the Maximum Facility Amount or, during the Seasonal Period, zero percent (0%) of the Combined Facility Amount;
provided, that in determining the amount of Collateral Value that may be attributable to Subprime Loans, the Subprime Loan Rating Criteria shall apply; 
  

(ii) adding the following paragraph immediately following such paragraph (c) of the proviso to the definition of Collateral Value:

  
 (d) at any time, the portion of the total
Collateral Value that may be attributable to Alt-A Loans shall not exceed twenty percent (20%) of the Maximum Facility Amount or, during the Seasonal Period, twenty percent (20%) of the Combined Facility Amount; 
  
 and 
  
 (iii) renumbering existing paragraphs (d), (e), (f) and (g) of the proviso to the definition of Collateral
Value as paragraphs (e), (f), (g) and (h), respectively. 
  
 (e)
The definition of Eligible Mortgage Loan in Section 1.01 of the Repurchase Agreement is hereby amended by deleting paragraph (b) thereof it in its entirety and replacing it with the following: 
  
 (b) that is a Conforming Loan, a Jumbo Loan, a Subprime Loan
or an Alt-A Loan; 
  

 12 

 (f) The definition of Issuer Facility Amount in Section 1.01 of the Repurchase Agreement is hereby
amended by (i) deleting the amount “$100,000,000” in clause (a) thereof and replacing it with “$200,000,000” and (ii) deleting the amount “$50,000,000” in clause (b) thereof and replacing it with
“$100,000,000”. 
  
 (g) The definition of Non-Conforming
Loan in Section 1.01 of the Repurchase Agreement is hereby amended by adding the words “, a Subprime Loan or an Alt-A Loan” after the words “Jumbo Loan”. 
  
 (h) Section 1.01 of the Repurchase Agreement is hereby amended by adding the following after the definition of Servicer
Performance Guaranty: 
  
 “Servicer
Subprime Loan Compliance Report” is defined in Section 3.8(a) of the Collateral Agency Agreement. 
  
 (i) Section 1.01 of the Repurchase Agreement is hereby amended by adding the following after the definition of Subsidiary: 
  
 “Subprime Loan” means a Mortgage Loan
(other than a Conforming Loan or a Jumbo Loan) that (1) is underwritten by an Approved Investor, (2) matches all applicable requirements for purchase under the requirements of a Take-Out Commitment specifically issued for the purchase of such
Mortgage Loan, and (3) differs from a Conforming Loan because of the credit quality of the Obligor, and is originated by the Originator or by a correspondent of the Originator using the established underwriting guidelines for subprime loans of the
Originator, which are the same underwriting guidelines that the Originator uses to originate subprime loans for sales into the secondary mortgage market. 
  
 “Subprime Loan Rating Criteria” means that (i) no more than 10% (by Collateral Value) of the Subprime Loans shall have
Obligors with Mortgagor Credit Ratings of C or lower, (ii) at least 70% (by Collateral Value) of the Subprime Loans shall have Obligors with Mortgagor Credit Ratings of A- and (iii) 100% of the Subprime Loans shall have a weighted average
Loan-to-Value Ratio of no more than 90%. In determining whether Subprime Loans meet these criteria on a given day, the Collateral Agent shall rely on the information provided by the Servicer on the Servicer Subprime Loan Compliance Report for such
day. 
  

 13 

 (j) The definition of “Take-Out Commitment” in Section 1.01 of the Repurchase Agreement is
hereby amended by deleting it in its entirety and replacing it with the following: 
  
 “Take-Out Commitment” means: 
  

	 	(A)	with respect to Conforming Mortgage Loans that are included in the Eligible Mortgage Collateral, a current, valid, binding, enforceable, written commitment (either in the form of a
loan-specific or a forward purchase commitment), issued by an Approved Investor, to purchase one or more Mortgage Loans from one of the Originators prior to the date that is 120 days from the date that such Mortgage Loan first becomes Eligible
Mortgage Collateral and at a specified price and in amounts, form and substance satisfactory to the Managing Agents, which commitment is not subject to any term or condition (i) that is not customary in commitments of like nature or (ii) that, in
the reasonably anticipated course of events, cannot be fully complied with prior to the expiration thereof, which commitment has been assigned to the Borrower (partial assignments being permitted so long as the amount assigned (together with all
other Take-Out Commitments) fully covers the amount of the Eligible Mortgage Collateral) and in which a perfected and first-priority security interest has been granted by the Borrower to the Administrative Agent; provided, that upon receipt of the
actual written confirmation (each a “Trade Confirmation”) of such trade duly executed by one of the Originators and the trade counterparty and promptly upon request of the Administrative Agent, such Originator must provide such trade
confirmation to the Administrative Agent. The Administrative Agent, on behalf of the Lenders shall have the right, without notice, to review such Trade Confirmation at the office of, and with the officers of, any of the Originators during normal
business hours; or 

  

	 	(B)	 with respect to the Non-Conforming Loans included in the Eligible Mortgage Collateral, a current, valid, binding, enforceable, written commitment (which may be
transmitted electronically), issued by an Approved Investor, to purchase loans with characteristics of such Non-Conforming Loans from the Originator from time to time at a specified price (or a specified spread to an agreed-upon index) and in
amounts, and upon terms, satisfactory to the Managing Agents, which commitment is not subject to any term or condition (i) that is not customary in commitments of like nature or (ii) that, in the reasonably anticipated course of events, cannot be
fully complied with prior to the expiration thereof, the rights but not the obligations under which commitment have been assigned to the Borrower (partial assignments being permitted so long as the aggregate amount assigned fully covers the amount
of the Eligible Mortgage Collateral) and in which a perfected and first-priority 

  

 14 

	 	 
security interest has been granted by the Borrower to the Administrative Agent, for the benefit of the Lenders. 

  
 (k) Schedule II of the Repurchase Agreement is hereby amended by deleting it
in its entirety and replacing it with the Schedule II attached hereto. 
  
 Section 4. Amendments to All of the Operative Documents 
  
 Each reference to “Credit Lyonnais New York Branch” or “Credit Lyonnais” in each of the Operative Documents, including without limitation any and all schedules and exhibits to the Operative
Documents, shall be deemed to refer to “Calyon New York Branch” or “Calyon”, respectively. Each reference to “Bank One, NA (Main Office Chicago)” or “Bank One” in each of the Operative Documents, including
without limitation any and all schedules and exhibits to the Operative Documents, shall be deemed to refer to “JPMorgan Chase Bank” or “JPMorgan Chase”, respectively. 
  
 Section 5. Operative Documents in Full Force and Effect as Amended 
  
 Except as specifically amended hereby, all of the provisions of the Operative
Documents and all of the provisions of all other documentation required to be delivered with respect thereto shall remain in full force and effect from and after the date hereof. 
  
 Section 6. Miscellaneous 
  
 (a) This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed
shall be deemed to be an original and all of which when taken together shall not constitute a novation of any Operative Document, but shall constitute an amendment thereof. The parties hereto agree to be bound by the terms and conditions of each
Operative Document, as amended by this Amendment, as though such terms and conditions were set forth herein. 
  
 (b) The descriptive headings of the various sections of this Amendment are inserted for convenience of reference only and shall not be deemed to affect
the meaning or construction of any of the provisions hereof. 
  
 (c) This Amendment may not be amended or otherwise modified except as provided in each respective Operative Agreement. 
  
 (d) This Amendment and the rights and obligations of the parties under this Amendment shall be governed by, and construed in accordance with, the laws of
the state of New York (without giving effect to the conflict of laws principles thereof, other than Section 5-1401 of the New York General Obligations Law, which shall apply hereto). 
  
 The remainder of this page intentionally left blank. 
  

 15 

 IN WITNESS WHEREOF, the parties have agreed to and caused this Amendment to be executed by their
respective officers thereunto duly authorized, as of the date first above written. 
  

									
	 ADMINISTRATIVE AGENT,
 BANK AND MANAGING AGENT
 AGREED:
	 	 	 	 CALYON NEW YORK BRANCH

					
	 	 	 	 	 	 	By:	 	 /s/ David C. Fink

	 	 	 	 	 	 	 Name:
	 	 David C. Fink

	 	 	 	 	 	 	 Title:
	 	 Managing Director

  

									
					
	 	 	 	 	 	 	By:	 	 /s/ Anthony Brown

	 	 	 	 	 	 	 Name:
	 	 Anthony Brown

	 	 	 	 	 	 	 Title:
	 	 Vice President

  

									
	 MANAGING AGENT AND BANK
	 	 	 	 
	 AGREED:
	 	 	 	 JPMORGAN CHASE BANK (formerly known as Bank
One, NA (Main Office Chicago)

					
	 	 	 	 	 	 	By:	 	 /s/ Beth M. Provanzana

	 	 	 	 	 	 	 Name:
	 	 Beth M. Provanzana

	 	 	 	 	 	 	 Title:
	 	 Vice President

  

									
	 ORIGINATOR, SERVICER AND SELLER
 AGREED:
	 	 	 	UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC
					
	 	 	 	 	 	 	By:	 	 /s/ Janice Muñoz

	 	 	 	 	 	 	 Name:
	 	 Janice Muñoz

	 	 	 	 	 	 	 Title:
	 	 Vice President/Treasurer

  

 16 

									
	 ORIGINATOR AND SELLER
	 	 	 	 
	AGREED:	 	 	 	UNIVERSAL AMERICAN MORTGAGE COMPANY OF CALIFORNIA
					
	 	 	 	 	 	 	By:	 	 /s/ Janice Muñoz

	 	 	 	 	 	 	 Name:
	 	 Janice Muñoz

	 	 	 	 	 	 	 Title:
	 	 Vice President/Treasurer

  

									
	 BORROWER AND BUYER
 AGREED:
	 	 	 	UAMC CAPITAL, LLC
					
	 	 	 	 	 	 	By:	 	 /s/ Janice Muñoz

	 	 	 	 	 	 	 Name:
	 	 Janice Muñoz

	 	 	 	 	 	 	 Title:
	 	 Vice President/Treasurer

  
 With respect to Section 1, Section 4,
Section 5 and Section 6 hereto only, 
  

									
	 COLLATERAL AGENT
 AGREED:
	 	 	 	RESIDENTIAL FUNDING CORPORATION
					
	 	 	 	 	 	 	By:	 	 /s/ Susan H. Snyder

	 	 	 	 	 	 	 Name:
	 	 Susan H. Snyder

	 	 	 	 	 	 	 Title:
	 	 Director

  

 17

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