Document:

EX-10.32

 Exhibit 10.32 

[***] – Confidential portions of this document have been redacted and filed separately with the Commission. 

LOAN PROGRAM AGREEMENT 

THIS LOAN PROGRAM AGREEMENT (the “Agreement”) is made and entered into as of this
6th day of May, 2015 (“Effective Date”), by and between CROSS RIVER BANK, a federally insured New Jersey state-chartered bank with its home office at 885 Teaneck Road, Teaneck, New
Jersey, 07666 (hereinafter referred to as “Bank”) and loanDepot.com. LLC, with an office at 26642 Towne Centre Drive, Foothill Ranch, California 92610 (hereinafter referred to as “Company”). 

RECITALS 
 WHEREAS, Bank is a New
Jersey state-chartered bank authorized to engage in the business of making loans throughout the United States; 
 WHEREAS, Bank desires to
have Company perform, on Bank’s behalf, certain marketing and administrative services in connection with the Bank’s origination of certain loans; 

WHEREAS, Company desires to perform certain marketing and other administrative services, in connection with Bank’s origination of certain
loans; and 
 WHEREAS, the Parties desire to enter into this Agreement for the purpose of setting forth the terms and conditions that will
govern the marketing and administrative services to be provided by Company in connection with the Loans (as defined below) and compensation payable from Bank to Company in exchange for such services; 

AGREEMENT 
 NOW, THEREFORE, in
consideration of the foregoing Recitals and the terms, conditions, representations and warranties, and mutual covenants and agreements herein contained, and for good and valuable consideration, the receipt and sufficiency of which are hereby
conclusively acknowledged, Bank and Company mutually agree as follows: 
 ARTICLE I. DEFINITIONS AND CONSTRUCTION 

Section 1.1 Definitions. In addition to definitions provided for other terms elsewhere in this Agreement and except as otherwise
specifically indicated, the following terms shall have the indicated meanings. 
 “ACH” means automated clearing house. 

“Advertising Materials” means all materials and methods used by Company in the performance of its marketing services under this
Agreement, including, without limitation, advertisements, direct mail pieces, brochures, website materials and any other similar materials. 

“Affiliate” of a person means a person in Control of that person, a person Controlled by that person or a person under common
Control with that person. 

  
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 “Aggregate Security Balances” means the sum of the Security Balances under each Loan
Sale Agreement. 
 “Applicant” means a prospective Borrower. 

“Application” means the paper document or electronic application by which an Applicant applies for a Loan. 

“Bank Program Expenses” means the reasonable costs and expenses (except with respect to any fees and expenses incurred in connection
with Section 10.1 hereof) incurred by the Bank in connection with the Bank’s performance under this Agreement, including legal fees and expenses,; provided that Bank has provided no less than five (5) Business Days prior written
notice to Company prior to incurring any such costs and/or expenses. 
 “Bank Program Fees” means the fees paid to the Bank in
amount not less than the amounts set forth in Schedule 1 hereto. 
 “Borrowers” mean those Applicants and other Persons who are
obligors with respect to the Loans. 
 “Business Day” means any day, other than: (i) a Saturday or Sunday, (ii) a day on
which banking institutions in the State of New Jersey are authorized or obligated by law or executive order to be closed, or (iii) any other day on which commercial banking or Federal institutions in New York, New York and/or Wilmington,
Delaware are authorized or obligated by law or executive order to be closed. 
 “Company Platform” means the technology, including
all computer software, proprietary system information, know-how, and other technology and information, together with all related documentation developed and owned or licensed by Company in connection with the Program, including the website
administered by Company, and any and all future versions thereof, and any and all enhancements, upgrades, modifications and improvements thereto and derivative works thereof and all Intellectual Property Rights therein. For avoidance of doubt, the
Company Platform does not include the specific duties performed by Company on behalf of Bank and as its agent. 
 “Control” means
the ownership or power to vote fifty percent (50%) or more of the outstanding ownership or voting interests of a person. 

“Eligible Loan” means a Loan originated and funded by Bank that meets all of the eligibility criteria set forth on Schedule 2
hereto. 
 “FDIC” means the Federal Deposit Insurance Corporation. 

“Funding Limit” means, on any given day, an amount equal to the Aggregate Security Balances. 

  
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 “Intellectual Property Rights” shall mean any invention, whether patentable or
otherwise, copyright, Marks, trade secret or patent rights and any United States or foreign registrations or letters patent or applications for any of the foregoing including any renewals, extensions, divisionals, continuations,
continuations-in-part or reissues thereof and any reexamination certificates relating thereto. It is understood that Intellectual Property Rights belonging to Company shall not include any Marks of the Bank. 

“Loan Documents” mean, collectively, with respect to any Loan, the Promissory Note, Application and any other documents signed by
Borrowers in connection with a Loan. 
 “Loan” means a loan made by Bank to a Borrower pursuant to this Agreement. 

“Loan Funding Date” means the date on which the Bank funds a Loan to a Borrower in accordance with terms of this Agreement. 

“Loan Products” means the Bank’s closed-end, unsecured loan products that meet the Program Terms and are made available to
Applicants by Bank under the Program. 
 “Loan Sale Agreement” means each certain Loan Sale Agreement between Bank and the
applicable Purchaser and collectively all such agreements are referred to herein as the “Loan Sale Agreements”. 

“Marks” means the trademarks including registered and common law trademarks, trade names, service marks, logos, domain names and
designations. 
 “Origination Fee” means the applicable origination fee charged to each Borrower for a Loan, as set forth in
Exhibit A. 
 “Party” means either Company or Bank and “Parties” means Company and Bank. 

“Person” means any legal person, including any individual, corporation, limited liability company, partnership, joint venture,
association, joint-stock company, trust, unincorporated organization, governmental entity, or other entity of similar nature. 

“Program” means the lending program for which Company provides marketing and administrative services to Bank in connection with the
Loans and Bank originates and funds such Loans pursuant to this Agreement, the Program Guidelines and the Program Terms. 
 “Program
Guidelines” means those guidelines established by Bank for the administration of the Program, as they may be modified from time to time by the Bank in its reasonable discretion, as provided in Section 2.3. The Program Guidelines include,
without limitation, the Program Terms, as set forth on Exhibit A attached hereto, and the Underwriting Requirements, as set forth on Exhibit B attached hereto. 

  
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 “Program Materials” means all Loan Documents and all other documents, materials and
methods used in connection with the performance of the Parties’ obligations under this Agreement, including without limitation the promissory notes, Applications, disclosures required by the Rules applicable to an FDIC-insured, New Jersey
state-chartered commercial bank, collection materials, and the like, but excluding Advertising Materials. 
 “Program Start Date”
means the first day upon which Bank funds a Loan under this Agreement. 
 “Promissory Note” means the document containing the
terms and conditions of a Loan including all disclosures required by Applicable Laws. 
 “Purchaser” means the applicable entity
that is a purchaser of Loans under a Loan Sale Agreement. 
 “Reconstitution Date” has the meaning given to such term in
Section 10.20 of this Agreement. 
 “Regulation AB” means Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17
C.F.R. §§229.1100-229.1123, as such may be amended from time to time, and subject to such clarification and interpretation as have been provided by the Securities and Exchange Commission in the adopting release (Asset-Backed Securities,
Securities Act Release Nos. 33–9638; 34–72982; File No. S7–08–10, Fed. Reg. Vol. 79, No.185 (September 24, 2014) or by the staff of the Securities and Exchange Commission, or as may be provided by the Securities and Exchange
Commission or its staff from time to time. 
 “Regulatory Authorities” means the Office of the New Jersey Division of
Banking & Insurance, the FDIC, the Consumer Financial Protection Bureau, and any local, state or federal regulatory authority that currently has, or may in the future have, jurisdiction or exercising regulatory or similar oversight with
respect to Bank, Company or Third Party Service Providers (except that nothing herein shall be deemed to constitute an acknowledgement by Bank that any Regulatory Authority other than the New Jersey Division of Banking and the FDIC has jurisdiction
or exercises regulatory or similar oversight with respect to Bank). 
 “Rules” means all local, state, and federal statutes or
ordinances applicable to the acts of, as applicable, Bank, Company, or a Third Party Service Provider as they relate to the Program or a Party’s performance of its obligations under this Agreement; any order, decision, injunction or similar
pronouncement of any court, tribunal, or arbitration panel issued with respect to, as applicable, Bank, Company or a Third Party Service Provider in connection with this Agreement; and any regulations, policy statements, and any similar
pronouncement of a Regulatory Authority pertaining to, as applicable, the acts of Bank, Company or a Third Party Service Provider as they relate to the Program or a Party’s performance of its obligations under this Agreement. 

“Securitization Transaction” has the meaning given to such term in Section 10.20 of this Agreement. 

  
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 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 “Termination Fee” means [***]. 

“Third Party Service Provider” means any contractor or service provider retained by Bank or Company, or retained by any party
directly or indirectly retained by Bank or Company, who provides or renders services in connection with the Program. 
 “Underwriting
Requirements” means the underwriting requirements of Bank as set forth in the Program Guidelines to be applied by Company in reviewing all Applications on behalf of Bank. 

“Unpaid Bank Program Fees” means any Bank Program Fees that Bank has not received from a Purchaser in connection with the sale of a
Loan under a Loan Sale Agreement. 
 “Whole Loan Transfers” has the meaning given to such term in Section 10.20 of this
Agreement. 
 Section 1.2 Construction. Unless the context otherwise clearly indicates: 

a) Words used in the singular include the plural and words in the plural include the singular; 

b) All references to the masculine gender shall include the feminine gender (and vice versa); 

c) All references to “include,” “includes,” or “including” shall be deemed to be followed by the words
“without limitation”; 
 d) References to any law or regulation refer to that law or regulation as amended from time to time and
include any successor law or regulation; 
 e) References to “dollars” or “$” shall be to United States dollars unless
otherwise specified herein; and 
 f) Unless otherwise specified, all references to days, months, or years shall be deemed to be proceeded
by the word “calendar”. 
 ARTICLE II. GENERAL PROGRAM DESCRIPTION 

Section 2.1 General Description; Appointment of Company. The Parties agree that, in accordance with the Program Guidelines and
Program Terms, the Program shall consist of the marketing and administrative services provided by Company, on Bank’s behalf, and the origination and funding of Loans by Bank. The duties of the Parties in connection with the Program shall be as
set forth in the terms of this Agreement. Bank hereby appoints Company as its agent, and Company accepts such appointment, to discharge Bank’s duties and obligations 

  
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with respect to each Application and Loan concerning applicable consumer, credit reporting, anti-money laundering and terrorist financing laws, and loan servicing with full power and authority to
do and perform each and every act and thing requisite and necessary to be done in connection with such appointment, including the power and authority to do or cause to be done any and all things that Company may reasonably deem necessary or
desirable in connection with the rendering of such duties and obligations hereunder. This appointment as agent will expire automatically upon the termination of this Agreement. 

Section 2.2 Program Terms. Bank’s pricing schedule and certain other loan terms and conditions (collectively, “Program
Terms”) are set forth on Exhibit A and shall apply to all Loans. 
 Section 2.3 Program Modifications. Bank may change the
Program Terms or the Program Guidelines in its reasonable discretion, upon not less than 10 days prior written notice to Company, provided that the foregoing prior notice shall not be required in the event such modification is: (i) the result
of a change in the Rules or by request of a Regulatory Authority; and (ii) the Rules or the Regulatory Authority requires the modification to occur prior to the expiration of the 10-day notice period. In addition, Company may recommend
modifications to the Program terms and/or Program Guidelines for the improvement of the Program for Bank’s approval, such approval not to be unreasonably withheld or delayed. Notwithstanding the foregoing, in the event Bank requires any
modification to the Program Terms or Program Guidelines that requires modifications to Company Platform, Bank agrees to use reasonable efforts to provide Company with adequate time as may be necessary for Company to implement such changes. 

Section 2.4 Non-exclusivity. This Agreement does not prohibit the Company, or any Affiliate thereof, from entering into a contract
with a Person that establishes a program to originate loans that are substantially similar to the Loans in a manner that is substantially similar to and/or competing with the Program (a “Competing Program”). Notwithstanding the foregoing,
if Company and/or its Affiliates, during the Term, enter into a Competing Program, then, in addition to any fees payable pursuant to Section 5 herein, Company shall be responsible to pay to Bank an amount equal to 0.10% of the principal loan
amounts generated by means of its participation with a Competing Program, on a monthly basis. In connection therewith, to the extent permitted by Applicable Laws, Company shall permit the Bank, or its representatives to have reasonable access to
books and records of Company regarding loans generated through the Competing Program. 
 ARTICLE III. DUTIES OF COMPANY AND BANK 

Section 3.1 Duties and Responsibilities of Company. Company shall perform and discharge the following duties and responsibilities
in connection with the Program: 
 (a) Company shall be responsible for the marketing of Bank’s Loan Products on behalf of Bank to
consumers through use of the approved Advertising Materials and Program Materials. Bank agrees that Company’s marketing efforts may include the use of radio, television, internet and print advertising. In marketing Bank’s Loan Products,
Company shall at all times and in all material respects comply with applicable Rules. 

  
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 (b) Company shall comply with the Underwriting Requirements and shall comply in all material
respects with the other Program Guidelines in connection with its duties hereunder. Company shall ensure that each Loan originated and funded by Bank is an Eligible Loan. 

(c) Company shall process Applications on Bank’s behalf from Applicants submitted to Bank on an Application form that is provided by or
otherwise approved by Bank. Company shall provide reasonable assistance to each prospective Applicant in completing an Application. Company shall forward all completed Applications that satisfy Bank’s Underwriting Requirements as set forth in
the Program Guidelines to Bank (or its designated loan processing agent) electronically, by telephone, or by other appropriate means agreeable to both Parties. No Application shall be approved unless it complies with the Program Guidelines and all
Applications shall be deemed not approved to the extent that they do not comply with the Program Guidelines; it being understood that compliance with the Program Guidelines shall be the duty of Company. The Bank shall have the right to review and
audit Applications to ensure compliance with the Program Guidelines. 
 (d) Company shall take, on the Bank’s behalf, appropriate
measures to verify the identity of all Applicants consistent with the Rules and any policies or procedures of Bank provided to Company, as they may be modified from time to time. Company shall take such further steps as may be deemed reasonably
necessary by Bank to prevent fraud in connection with the Program. 
 (e) Company shall provide, on Bank’s behalf, an appropriate
completed adverse action notice to any Applicant whose Application for a Loan is rejected by Bank. 
 (f) Company shall on Bank’s
behalf, (A) electronically or otherwise deliver a copy of the Promissory Note to the Borrower; (B) obtain from the Borrower the executed Promissory Note; and (C) deliver a copy of the Bank’s privacy policy, as provided to Company
by Bank, to the Borrower. 
 (g) Company shall maintain and retain on behalf of Bank all original Applications and copies of all adverse
action notices and other documents relating to rejected Applications for the period required by the Rules. Company shall further maintain originals or copies, as applicable, of all Loan Documents and any other documents provided to or received from
Borrowers for the period required by the Rules. 
 (i) Company, or its designated agent, shall perform for Bank all post-funding servicing
of the Loans held by Bank, including customer service and collection functions in accordance with Company’s or its designated agent’s ordinary and customary practices and the applicable Rules, including, as applicable, the federal Fair
Debt Collections Practices Act and any similar applicable state statutes. 

  
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 (j) Company shall provide to Bank data submissions and reports reasonably required by Bank to
maintain effective internal controls and monitor results under this Agreement or to comply with any applicable Rules. As of the Effective Date, the data submissions and reporting required by this subsection 3(j) shall consist of those reports set
forth in Schedule 3.1(j). 
 (k) Company shall provide Bank and Regulatory Authorities with reasonable access to Company’s offices, to
the books and records of Company (to the extent such books and records pertain to the Loans), to the officers, employees and accountants of Company, and to all computer files containing the Loan Documents, all for the same purposes of ensuring that
Company is following all Program Guidelines and is adhering to all applicable Rules. Such access shall include permission to maintain employees or agents of Bank, at Bank’s expense, on the premises of Company during regular business hours to
audit Company’s books and records pertaining to the Program. 
 (l) Company shall deliver to Bank annual financial statements audited
by an independent accounting firm reasonably acceptable to the Bank, which shall be at Company’s sole cost and expense, within one hundred twenty (120) days after the end of each calendar year. 

(m) Company shall deliver the Bank quarterly financial statements compiled by Company and certified as accurate by the Chief Financial Officer
of Company, within sixty (60) days after the end of each quarter. 
 (n) Within the first 90 days from the Commencement Date, and on an
annual basis thereafter, Company shall cause an audit to be conducted of Company’s compliance with this Agreement, including, without limitation, ensuring that Company’s performance of its duties comply with the Program Guidelines. Such
audit shall be performed by a firm mutually acceptable to Bank and Company and shall be at Company’s sole cost and expense. 
 (o)
Company shall cause the audit required under subsection 3(n) above and other reports as are contained on Schedule 3.1(o) hereto to be delivered to Bank. 

Section 3.2 Duties and Responsibilities of Bank. Bank shall perform and discharge the following duties and responsibilities in
connection with the Program: 
 (a) Bank shall establish and deliver the initial Program Guidelines to Company and Bank shall provide
Company with any modifications to the Program Guidelines that Bank may make from time to time in accordance with Section 2.3. 
 (b)
Bank shall establish such controls as may be reasonably necessary, but not less than those controls required by any Regulatory Authorities and the Rules, to adequately control, monitor and supervise the operation of the Program and those duties
performed by Company on Bank’s behalf, including without limitation, the approval of each Application. 
 (c) Bank shall manage the
Program in a good faith effort, employing at least the same degree of care, skill and attention that Bank devotes to the management of its other programs and assets; provided, however, that Bank’s management of the Program shall not less than
the standards required by any Regulatory Authorities and the applicable Rules. 

  
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 (d) Bank hereby approves each Loan that, based upon the information provided by Applicants to
Bank through Company and such other information as obtained by Company at the direction of Bank, meets the criteria, including the Underwriting Requirements, set forth in the Program Guidelines. 

(e) Commencing on the Program Start Date, Bank shall fund all Loans in the manner set out in the Program Guidelines. 

Section 3.3 Conditions Precedent to the Obligations of Bank and Company. 

(a) The obligations of Bank in this Agreement are subject to the satisfaction of the following conditions precedent on or prior to Bank’s
funding of a Loan: 
 (i) Each Application shall meet the standards set forth in the approved Program Guidelines then in effect; 

(ii) No action or proceeding shall have been instituted or threatened against Company or Bank to prevent or restrain the consummation of the
funding of the Loan and there shall be no injunction, decree, or similar restraint preventing or restraining such funding; 
 (iii) The
representations and warranties of Company set forth in this Agreement shall be true and correct in all material respects as though made on and as of such date; 

(iv) The obligations of Company set forth in this Agreement to be performed on or before each date that an Application is funded shall have
been performed in all material respects as of such date by Company. 
 (v) There is no default continuing after any applicable notice and
grace period under the applicable Loan Sale Agreement and such Loan Sale Agreement has not been terminated by the parties thereto. 
 Notwithstanding the
foregoing, on any given day, Bank shall have no obligation to fund any Loans in excess of the Funding Limit. 
 (b) The obligations of
Company in this Agreement are subject to the satisfaction of the following conditions precedent: 
 (i) No action or proceeding shall have
been instituted or threatened against Company or Bank to prevent or restrain the consummation of the transactions contemplated hereby and there shall be no injunction, decree, or similar restraint preventing or restraining such consummation; 

  
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 (ii) The representations and warranties of Bank set forth in this Agreement shall be true and
correct in all material respects as though made on and as of such date; 
 (iii) The obligations of Bank set forth in this Agreement to be
performed on or before each date that a Loan is funded shall have been performed in all material respects as of such date by Bank; and 

(iv) There is no default continuing after any applicable notice and grace period under the applicable Loan Sale Agreement and such Loan Sale
Agreement has not been terminated by the parties thereto. 
 ARTICLE IV. TRADE NAMES, ACCOUNTING SYSTEM; ADVERTISING AND 

PROGRAM MATERIALS; COMPANY INTELLECTUAL PROPERTY; PROGRAM 

MANAGERS 
 Section 4.1
Trade Names and Trademarks. Company shall have no authority to use any Marks, including trade names, trademarks or service marks, of Bank except by means of approved Program Materials or Advertising Materials or as otherwise approved
hereunder or in writing by Bank. Bank acknowledges that approved Program Materials or Advertising Materials may contain Marks, including trade names, trademarks or service marks, of Company, and Bank shall have no authority to use any such Marks,
including trade names or marks separate and apart from their use in connection with the Program, including the Program Materials or Advertising Materials or as otherwise approved hereunder or in writing by Company. The Parties shall use Program
Materials and Advertising Materials only for the purpose of implementing the provisions of this Agreement and shall not use Program Materials or Advertising Materials in any manner that would violate the Rules applicable to an FDIC-insured, New
Jersey state-chartered commercial bank or any provision of the Program Guidelines. Each Party’s right to use the Marks of the other Party shall immediately and automatically terminate upon termination of this Agreement. 

Section 4.2 Accounting System. Company shall establish and maintain, at its sole cost and expense, a comprehensive accounting and
tracking system (or systems) to accurately and immediately reflect all Applications, Loans and related information regarding the Program to satisfy the information requirements of Bank, Regulatory Authorities and Bank’s internal and external
auditors, each as communicated to Company by Bank in writing. The system (or systems) shall provide Bank with access to copies of all documentation received from Applicants and Borrowers, including the information needed for Bank to underwrite and
approve Loans pursuant to the Program Guidelines. Company further agrees that the information reporting features, integrity and security of the system (or systems) shall operate to the reasonable satisfaction of Bank, Regulatory Authorities and
Bank’s internal and external auditors, each as communicated to Company by Bank in writing. Company further agrees that the system (or systems) shall provide such daily settlement reports, including reports noting the Applications ready for
underwriting and a summary report of Applications to be funded by Bank. 

  
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 Section 4.3 Advertising and Program Materials. 

(a) Company duties shall include the preparation of the Advertising Materials and the Program Materials to be used in connection with the
Program, which shall comply in all material respects with the Rules applicable to an FDIC-insured, New Jersey state-chartered commercial bank and the Program Guidelines. 

(b) OMITTED. 
 (c) Company shall
make available for Bank’s prior review and approval all new or modified Advertising Materials and Program Materials proposed by Company. Bank shall have the option, within three (3) Business Days of receipt, to review and approve or reject
any new or modified materials. New or modified materials will be considered approved and authorized by Bank once such approval and authorization is clearly communicated by Bank in writing. 

(d) Bank may at any time with written notice to Company retract or modify any approval previously given by it with respect to any Advertising
Materials and Program Materials if Bank reasonably determines that such action is required to remain in compliance with the Rules or upon request of a Regulatory Authority for the safe and sound operation of the Program. 

(e) After approval and subject to Bank’s right to retract or modify any approval previously given as described in Section 4.3(d),
Company may use any Advertising Materials and Program Materials, and need not seek further approval for use of such materials unless there is a substantive change in the materials. In the event of a substantive change, Company shall submit such
materials to Bank for review and approval in accordance with Section 4.3(c). 
 (f) Bank hereby provides Company with a non-exclusive
right and non-assignable license to use and reproduce Bank’s Marks as necessary to perform its obligations under this Agreement; provided, however, that (i) Company shall obtain Bank’s prior written approval for the use of Bank’s
Marks and such use shall at all times comply with written instructions provided by Bank regarding the use of its Marks; and (ii) Company acknowledges that it shall acquire no interest in Bank’s Marks, except as provided in Section 4.1
and this Section 4.3(f). Upon termination of this Agreement, Company shall cease using Bank’s Marks. Neither Party may use the other Party’s Marks in any press release without the prior written consent of the other Party. 

Section 4.4 Company Intellectual Property. Company shall retain sole and exclusive right, title, and interest to all Intellectual
Property Rights, Company Marks, its website(s), the Company Platform, the technology related thereto, including all aspects of the website(s)’ content, the Advertising Materials (except for the Bank Marks contained therein), and the services
and processes performed by Company under the Program. This Agreement does not transfer any Intellectual Property Rights between Company and Bank. 

Section 4.5 Program Managers. Company and Bank shall each designate a respective principal contact (“Program Manager”)
to facilitate day-to-day operations and resolve issues that may arise with respect to the Program. If the Program Managers are unable to reach agreement, then the dispute will be referred to the President of Bank and CEO of Company who will work
together in good faith to resolution. If the Parties are unable to resolve the dispute, a Party may, upon the written notice to the other Party resolve the dispute in accordance with Section 10.3. 

  
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 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 ARTICLE V. COMPENSATION 

Section 5.1 Company Compensation 

(a) As compensation for Bank’s license of Company Platform, Bank shall pay Company [***]. 

(b) On the fifth Business Day of each calendar month, Company shall deliver to Bank a report setting forth the calculation of the compensation
due to Company from the Bank for the prior calendar month in accordance with Section 5.1(a) and Bank shall pay such amount to Company within two (2) Business Days of Bank’s receipt of such report. Bank agrees to deliver to Company on
or before the second Business Day of each calendar month a report of Bank Program Expenses. 
 (c) The Parties agree that starting with the
calendar month immediately following the first calendar month in which the aggregate principal amount of Loans generated under the Program is equal to or greater than [***], the payments made under Section 5.1(b) shall be made twice monthly. In
such event, the calculations required by Section 5.1(b) shall be made for (1) the first to fifteenth of each month and (2) the sixteenth to the last day of the month, and the report delivered under Section 5.1(b) shall be
delivered on (x) the fifth Business Day of each calendar month and (y) the fifth Business Day after the fifteenth of each month, respectively. 

ARTICLE VI. EXPENSES 

Section 6.1 Expenses. Company shall pay all costs and expenses it incurs in connection with its fulfillment of the duties in
Section 3.1, including the costs of obtaining credit reports and delivering adverse action notices, and the Bank Program Expenses. The Company has previously delivered to the Bank a non-refundable deposit of $[***], which the Bank shall apply
to the Bank Program Expenses. 
 Section 6.2 ACH and Wire Costs. Without limiting the generality of Section 6.1, Company is
responsible for reimbursing Bank the costs associated with ACH transfers of $[***] per ACH transfer or wires of $[***] per wire executed in connection with the Program, including, but not limited to, all costs associated therewith including in
connection with the loan servicing hereunder or any transfers required under the applicable Loan Sale Agreement. 
 Section 6.3
Taxes. Each Party shall be responsible for payment of any federal, state, or local taxes or assessments associated with the performance of its obligations under this Agreement and for compliance with all filing, registration and other
requirements with regard thereto. 

  
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 Section 6.4 Other Expenses. Except as otherwise expressly set forth in this Article
VI, each Party shall bear the costs and expenses of performing its obligations and duties under this Agreement. 
 ARTICLE VII. TERM

 Section 7.1 Term. This Agreement shall have an initial term of three (3) years commencing on its execution (the
“Initial Term”). unless otherwise terminated as provided herein. After the Initial Term, or any Renewal Term, as the case may be, the Agreement shall be automatically extended for two (2) successive terms of two (2) years
(each such successive two year term referred to herein as the “Renewal Term” and collectively, the Initial Term and each Renewal Term shall be referred to as the “Term”) unless either party notifies the other of its intent
to terminate this Agreement at least one hundred fifty (150) days prior to the end of the Initial Term or any Renewal Term. The termination of this Agreement shall not terminate, effect or impair any rights, obligations or liabilities of either
Party that may accrue prior to such termination or that, under the terms of this Agreement, continue after the termination. 
 ARTICLE
VIII. TERMINATION 
 Section 8.1 Termination. 

(a) Termination by Either Party. Either Party to this Agreement may terminate the Agreement as follows: 

(i) Event of Default. Upon occurrence of an event of default by Company or Bank, the other Party may terminate this Agreement following
the provision of written notice identifying the default and the defaulting Party’s failure to cure the same within thirty (30) days of such notice. 

(ii) Bankruptcy. Either Party may terminate this Agreement at any time upon notice to the other Party after the filing by the other
Party of any petition in bankruptcy or for reorganization or for debt consolidation under the federal bankruptcy laws or under any comparable law. 

(iii) Illegality. Either Party has the right to terminate this Agreement immediately upon written notice to the other Party if the Party
determines in its reasonable discretion that the activities of the Parties under this Agreement or the Program are illegal under or prohibited by any of the Rules, provided, however, that if the illegality or prohibition is a state or local rule,
either Party may in its discretion immediately discontinue the Program in those states or localities affected by the Rule without terminating this Agreement in its entirety for such reason. 

(iv) Regulatory Direction. Either Party has the right to terminate this Agreement upon thirty (30) days written notice to the
other, or earlier if otherwise required by any Regulatory Authority, upon written notice to the other Party, if any Regulatory Authority having jurisdiction over the terminating Party requires that such Party terminate this Agreement. 

(v) Material Adverse Effect. Either Party has the right to terminate this Agreement upon thirty (30) days written notice to the
other Party, or earlier if necessary to avoid the potential for material loss to the terminating Party, if the terminating Party determines in its reasonable discretions that the continuing operation of the Program may, in the case of the Bank,
materially adversely affect the safety and soundness of Bank or, in the case of Company, have a material adverse effect on the business or operations of Company. 

(b) Termination by Company. At any time after the second anniversary of Program Start Date, in addition to any termination right
provided to Company under Section 8.1(a), Company shall have the right to terminate this Agreement for any reason or for no reason without further obligation upon three (3) Business Days’ written notice to Bank upon payment to Bank of
the Termination Fee. 

  
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 Section 8.2 Termination of Loan Sale Agreements. This Agreement shall automatically
be terminated immediately upon the termination of all of the Loan Sale Agreements. 
 Section 8.3. Effect of Upon Termination.
Upon the termination of this Agreement, (i) Bank shall terminate the origination of any new Applications (ii) Company shall cease marketing the Program, (iii) each Party shall immediately discontinue the use of the other Party’s
Marks and (iv) all amounts due and payable hereunder shall become due and payable, including any amounts due under Section 5.1(a). The Parties shall cooperate in order to ensure a smooth and orderly termination of this Agreement.
Notwithstanding any termination hereof, the terms and conditions of this Agreement shall remain in place and effective to govern the duties of the Parties solely for the purposes of administering any Loans held by Bank on the termination date until
such time as those Loans are no longer owned by the Bank and paying any compensation or expenses incurred prior to the termination date under Sections 4 and 5. 

ARTICLE IX. REPRESENTATIONS AND WARRANTIES 

Section 9.1 Company’s Representations and Warranties. Company makes the following warranties and representations to Bank, all
of which shall only survive until the end of the term of this Agreement, including all extensions: 
 (a) This Agreement is valid, binding
and enforceable against Company in accordance with its terms, except (a) to the extent that such enforceability may be limited by applicable insolvency, bankruptcy reorganization, receivership, moratorium, conservatorship or other similar laws
now or hereafter in effect, including the rights and obligations of receivers and conservators pursuant to 12 U.S.C. §§ 1821 (d) and (e), which may affect the enforcement of creditors’ rights in general, and (b) to the
extent that such enforceability may be limited by general principles of equity (whether considered in a suit in law or in equity), and Company has received all required approvals for such purposes. 

  
 14 

 (b) Company is duly organized, validly existing, and in good standing under the laws of the state
of its organization and is authorized, registered and licensed to do business in each state in which its activities makes such authorization, registration or licensing necessary or required. 

(c) Company has the full power and authority to execute and deliver this Agreement and perform all of its obligations hereunder. The
execution, delivery and performance of this Agreement have been duly authorized by the Company. 
 (d) The execution of this Agreement and
the completion of all actions required or contemplated to be taken by Company hereunder are within the ordinary course of Company’s business and not prohibited by the applicable Rules. 

(e) The provisions of this Agreement and the performance of each of its obligations hereunder do not conflict with Company’s
organizational or governing documents, or any agreement, contract, lease, order or obligation to which Company is a party or by which Company is bound, including any exclusivity or other provisions of any other agreement to which Company or any
related entity is a party, and including any non-compete agreement or similar agreement limiting the right of Company to engage in activities competitive with the business of any other party nor any regulatory or governmental authority that Company
is subject to. 
 (f) Except as licensed or otherwise permitted, Company has not, and will not, use the intellectual property, trade secrets
or other confidential business information of any third party in connection with the development of the Program Materials and Advertising Materials. 

(g) Neither Company nor any principal thereof has been or is the subject of any of the following: 

 

	 	(i)	An enforcement agreement, memorandum of understanding, cease desist order, administrative penalty or similar agreement that would prevent the consummation of any of the transactions contemplated by Bank pursuant to this
Agreement, including the duties to be performed on behalf of Bank as set forth in Section 3.1, or that prohibits any principal’s participation in the affairs of a financial institution; 

 

	 	(ii)	Administrative or enforcement proceeding or investigation commenced by the Securities Exchange Commission, state securities regulatory authority, Federal Trade Commission, any banking regulator or any other state or
federal Regulatory Authority, with the exception of routine communications from a Regulatory Authority concerning a consumer complaint and routine examinations of Company conducted by a Regulatory Authority in the ordinary course of Company’s
business; or 

  

	 	(iii)	Restraining order, decree, injunction or judgment in any proceeding or lawsuit alleging fraud or deceptive practices on the part of Company or any principal thereof. 

  
 15 

 For purposes of this subsection the word “principal” of Company shall include
(i) any person owning or controlling 10% or more of the voting power of Company, (ii) any officer or director of Company and (iii) any person actively participating in the Control of Company’s business. 

(h) There are no investigations or proceedings pending or, to the best knowledge of the Company, threatened against the Company
(i) seeking to prevent the completion of any of the transactions contemplated by the Company pursuant to this Agreement (ii) asserting the invalidity or enforceability of this Agreement, (iii) seeking any determination or ruling that,
in the reasonable judgment of the Company, would adversely and materially affect the performance by the Company of its obligations under this Agreement, (iv) seeking any determination or ruling that would adversely and materially affect the
validity or enforceability of this Agreement or (v) would have a materially adverse financial effect on the Company or its operations if resolved adversely to it. 

(i) The Company has filed when due federal and state tax returns which are required to be filed and paid all taxes, including any assessments
received by it, to the extent that such taxes have become due (other than taxes, the amount or validity of which are currently being contested in good faith by appropriate proceedings and with respect to which reserves in conformity with generally
accepted accounting principles have been provided on its books). 
 (j) The Company has a compliance management system in place for consumer
complaints filed with the Consumer Financial Protection Bureau that provides the Company with the ability to track and respond to consumer complaints and update the Consumer Financial Protection Bureau company portal within the required time period.

 (k) The Company has, and covenants to maintain, a disaster recovery and contingency plan consisting of policies and procedures, as well
as ancillary backup capabilities and facilities (collectively, “DRP”), designed to enable the Company to render the services contemplated under this Agreement with minimal disruptions or delays in the event of any natural disaster
or other unplanned interruption of services. At the request of Bank, the Company shall provide a current copy or summary of the DRP. Not less than once each calendar year, the Company shall test the operability of the DRP. The Company shall, upon
Bank’s request, provide the Bank with a summary of the results of such testing. The Company shall not amend the DRP in a manner that knowingly materially increases the risks of disruptions and delays of its services without the consent of the
Bank. Reinstating the services contemplated under this Agreement shall receive as high a priority as reinstating the similar services provided to Company’s affiliates and other customers. 

(l) All information heretofore or hereafter furnished by or on behalf of the Company to the Bank in connection with a Loan (other than
information provided by an Applicant or Borrower) is true and correct in all material respects. The Company shall promptly correct any incorrect or inaccurate information furnished by it. 

  
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 (m) Reserved 

(n) The Company shall furnish to the Bank any reasonable information, documents, records or reports with respect to the Loans as the Bank may
from time to time request, in each case promptly in consideration of the scope of such request. 
 (o) The Company has in full force and
effect insurance in such amounts and with such terms, as follows: 
  

	 	i.	comprehensive general liability with limits not less than one ($1,000,000) million per occurrence and two ($2,000,000) million annual aggregate, with coverages to include contractual liability, personal injury and
advertising injury; 

  

	 	ii.	statutorily required worker’s compensation; 

  

	 	iii.	employer’s liability of one ($1,000,000) million per employee/occurrence; 

  

	 	iv.	crime liability of not less than fifteen ($15,000,000) million; 

  

	 	v.	umbrella liability with limits not less than ten ($10,000,000) million per occurrence and aggregate; and 

  

	 	vi.	professional liability/errors & omissions of not less than five ($5,000,000) million. 

The Company will not reduce the amount of any insurance set forth above maintained by the Company prior to the termination of this Agreement
and each Loan Sale Agreement. 
 Section 9.2 Bank’s Representations and Warranties. Bank makes the following warranties and
representations to Company as of the Effective Date and on each date Bank funds a Loan under the Program, all of which shall only survive until the end of the term of this Agreement, including all extensions: 

(a) This Agreement is valid, binding and enforceable against Bank in accordance with its terms, except (a) to the extent that such
enforceability may be limited by applicable insolvency, bankruptcy reorganization, receivership, moratorium, conservatorship or other similar laws now or hereafter in effect, including the rights and obligations of receivers and conservators
pursuant to 12 U.S.C. §§ 1821 (d) and (e), which may affect the enforcement of creditors’ rights in general, and (b) to the extent that such enforceability may be limited by general principles of equity (whether considered
in a suit in law or in equity), and Bank has received all necessary approvals for such purposes or is not required to obtain the approval of any Regulatory Authority or other Person to enter into this Agreement or perform its obligations hereunder.

 (b) Bank is a FDIC-insured New Jersey state-chartered bank, validly existing, and in good standing under the laws of New Jersey and
applicable federal law and is authorized to do business in each state in which its activities makes such authorizations necessary or required. 

  
 17 

 (c) Bank has the full power and authority to execute and deliver this Agreement and perform all
of its obligations hereunder. 
 (d) The execution of this Agreement and the completion of all actions required or contemplated to be taken
by Bank hereunder are within the ordinary course of Bank’s business and not prohibited by the Rules. 
 (e) The provisions of this
Agreement and the performance of each of its obligations hereunder do not conflict with Bank’s Articles of Incorporation, Bylaws or any agreement, contract, lease or obligation to which Bank is a party or by which Bank is bound, including any
exclusivity or other provisions of any other agreement to which Bank or any related entity is a party, and including any non-compete agreement or similar agreement limiting the right of Bank to engage in activities competitive with the business of
any other party. 
 (f) The Bank has the authority to originate the Loans on the Program Terms to the Borrowers who meet the Underwriting
Requirements established in the Program Guidelines, as contemplated in this Agreement. The Loans will be originated and funded by Bank and will conform with the Rules applicable to an FDIC-insured, New Jersey state-chartered commercial bank. 

(g) Neither Bank nor any principal thereof has been or is the subject of any of the following: 

(i) Enforcement agreement, memorandum of understanding, cease and desist order, administrative penalty or similar agreement
concerning lending matters, or participation in the affairs of a financial institution; 
 (ii) Administrative or enforcement
proceeding or investigation commenced by the Securities Exchange Commission, state securities regulatory authority, Federal Trade Commission, any banking regulator or any other state or federal Regulatory Authority; or 

(iii) Restraining order, decree, injunction or judgment in any proceeding or lawsuit alleging fraud or deceptive practices on
the part of Bank or any principal thereof. 
 For purposes of this subsection the word “principal” of Bank shall include
(i) any person owning or controlling 10% or more of the voting power of Bank, (ii) any officer or director of Bank and (iii) any person actively participating in the control of Bank’s business. 

ARTICLE X – INDEMNIFICATION AND MISCELLANEOUS 

Section 10.1 Indemnification. 

(a) Indemnification by Company. Except to the extent of any Losses (as herein defined) which arise from the direct acts or omissions of
Bank or an Affiliate of Bank or by negligence, bad faith or willful misconduct on the part of Bank, Company shall be liable to and 

  
 18 

 
shall indemnify, defend, and hold harmless Bank and its respective directors, officers, employees, agents and Affiliates and permitted assigns, from and against any and all Losses arising out of
(i) any failure of Company to comply with any of the terms and conditions of this Agreement, (ii) the inaccuracy of any representation or warranty made by Company herein, (iii) any infringement or alleged infringement by Company of
any trade names, trademarks or service marks of Bank, or the use thereof hereunder, (iv) a failure of Company to comply, in respect of its obligations in connection with the Program hereunder, with any applicable Rules whether immaterial or
material, regardless of whether such failure to comply would constitute a breach of a representation, warranty or covenant of Company hereunder, or (v) any claim that a Loan Document, the Program Materials or the Advertising Materials or any
other aspect of the Program violate any Rule applicable to an FDIC-insured, New Jersey state-chartered commercial bank. 
 (b)
Indemnification by Bank. Except to the extent of any Losses which arise from the direct acts or omissions of Company or an Affiliate of Company, Bank shall be liable to and shall indemnify, defend, and hold harmless Company and its respective
officers, directors, employees, agents and Affiliates and permitted assigns, from and against any Losses arising out of (i) the failure of Bank to comply with any of the terms and conditions of this Agreement, (ii) the inaccuracy of any
representation or warranty made by Bank herein, (iii) any infringement or alleged infringement by Bank of any trade names, trademarks or service marks of Company, or the use thereof hereunder, or (iv) a failure of the Bank to comply, in
respect of its obligations in connection with the Program hereunder, with any applicable Rules whether immaterial or material, regardless of whether such failure to comply would constitute a breach of a representation, warranty or covenant of the
Bank hereunder. 
 (c) Losses Defined. For the purposes of this Agreement, the term “Losses” shall mean all out-of-pocket
costs, damages, losses, fines, penalties, judgments, settlements and expenses whatsoever, including, without limitation, outside attorneys’ fees and disbursements and court costs reasonably incurred by the Indemnified Party, in connection with
any judicial, administrative, or other proceeding or claim made by a third party. 
 (d) Notice of Claims. In the event any claim is
made, any suit or action is commenced or any knowledge of a state of facts that, if not corrected, would give rise to a right of indemnification of a Party (“Indemnified Party”) by the other Party (“Indemnifying Party”) is
received, the Indemnified Party will give notice to the Indemnifying Party as promptly as practicable, but, in the case of lawsuit, in no event later than the time necessary to enable the Indemnifying Party to file a timely answer to the complaint.
The Indemnified Party shall make available to the Indemnifying Party and its counsel and accountants at reasonable times and for reasonable periods, during normal business hours, all books and records of the Indemnified Party relating to any such
possible claim for indemnification, and each party hereunder will render to the other such assistance as it may reasonably require of the other (at the expenses of the party requesting assistance) in order to insure prompt and adequate defense of
any suit, claim or proceeding based upon a state of facts which may give rise to a right of indemnification hereunder. 

  
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 (e) Defense and Counsel. Subject to the terms hereof, the Indemnifying Party shall have
the right to defend any suit, claim or proceeding. The Indemnifying Party shall notify the Indemnified Party via facsimile transmission or email, with a copy by mail, within ten (10) days of having been notified pursuant to this
Section 10.1 that the Indemnifying Party elects to employ counsel and assume the defense of any such claim, suit or action. The Indemnifying Party shall institute and maintain any such defense diligently and reasonably and shall keep the
Indemnified Party fully advised of the status thereof. The Indemnified Party shall have the right to employ its own counsel if the Indemnified Party so elects to assume such defense, but the fees and expense of such counsel shall be at the
Indemnified Party’s Expenses, unless (i) the employment of such counsel shall have been authorized in writing by the Indemnifying Party; (ii) such Indemnified Party shall have reasonably concluded that the interests of the Parties are
conflicting such that it would be inappropriate for the same counsel to represent both Parties or shall have reasonably concluded that the ability of the Parties to prevail in the defense of any claim are improved if separate counsel represents the
Indemnified Party (in which case the Indemnifying Party shall not have the right to direct the defense of such action on behalf of the Indemnified Party), and in either of such events such reasonable fees and expenses shall be borne by the
Indemnifying Party; (iii) the Indemnified Party shall have reasonably concluded that it is necessary to institute separate litigation, whether in the same or another court, in order to defend the claims asserted against it; (iv) the
Indemnified Party reasonably concludes that the ability of the Parties to prevail in the defense of any claim is materially improved if separate counsel represents the Indemnified Party; and (v) the Indemnifying Party shall not have employed
counsel reasonably acceptable to the Indemnified Party to take charge of the defense of such action after electing to assume the defense thereof. 

(f) Settlement of Claims. The Indemnifying Party shall have the right to compromise and settle any suit, claim or proceeding in the
name of the Indemnified Party; provided, however, that the Indemnifying Party shall not compromise or settle a suit, claim or proceeding (i) unless it indemnifies the Indemnified Party for all Losses arising out of or relating thereto and
(ii) with respect to any suit, claim or proceeding which seeks any non-monetary relief, without the consent of the Indemnified Party, which consent shall not unreasonably be withheld. Any final judgment or decree entered on or in, any claim,
suit or action which the Indemnifying Party did not assume the defense of in accordance herewith, shall be deemed to have been consented to by, and shall be binding upon, the Indemnifying Party as fully as if the Indemnifying Party had assumed the
defense thereof and a final judgment or decree had been entered in such suit or action, or with regard to such claim, by a court of competent jurisdiction for the amount of such settlement, compromise, judgment or decree. The Indemnifying Party
shall be subrogated to any claims or rights of the Indemnified Party as against any other Persons with respect to any amount paid by the Indemnifying Party under this Section 10.1(f). 

(g) Indemnification Payments. Amounts owing under this Section 10.1 shall be paid promptly upon written demand for indemnification
containing in reasonable detail the facts giving rise to such Losses, provided, however, that if the Indemnifying Party notifies the Indemnified Party within thirty (30) days of receipt of such demand that it disputes its obligation to
indemnify, or the Losses being claimed, and the Parties are not otherwise able to reach agreement, the controversy shall be settled through arbitration as described in Section 10.3. 

  
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 Section 10.2 Limitation of Liability. NEITHER PARTY SHALL BE LIABLE TO THE OTHER
PARTY FOR INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR EXEMPLARY DAMAGES OR LOST PROFITS (EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT. 

Section 10.3 Governing Law; Arbitration. This Agreement shall be governed by and construed in accordance with the laws of the
State of New York without regard to its conflict of laws rules. At the request of either Party, any dispute between the Parties relating to this Agreement shall be submitted to binding arbitration under the Commercial Arbitration Rules of the
American Arbitration Association. The Parties agree that any arbitration proceedings hereunder, unless otherwise agreed to by the Parties, shall be conducted in the city of the home office of the Party not commencing arbitration. Each Party hereto
consents to the jurisdiction over it by any court or arbitration panel as described herein. 
 The arbitrator shall be authorized to award
such relief as is allowed by law. Except as provided below, each Party shall be responsible for its own attorneys’ fees incurred during the course of the arbitration, as well as the costs of any witnesses or other evidence such Party produces
or causes to be produced. The award of the arbitrator shall include findings of fact and conclusions of law. Such award shall be kept confidential and shall be final, binding and conclusive on the Parties. Judgment on the award may be entered by any
court of competent jurisdiction. 
 Section 10.4 Confidential Information. In performing their obligations pursuant to this
Agreement, each Party may have access to and receive disclosure of certain confidential information about the other Party, including, without limitation, the names and addresses of a Party’s customers or members, marketing plans and objectives,
research and test results, and other information that is confidential and the property of the party disclosing the information (“Confidential Information”). The Parties agree that the term Confidential Information shall include the terms
and conditions of this Agreement, the Loan Sale Agreements, the Program Guidelines and the Program Materials, as the same may be amended and modified from time to time. Confidential Information shall not include (a) information in the public
domain or which is independently developed by the other Party or (b) any information required to be disclosed to a Regulatory Authority, pursuant to the Rules or pursuant to a valid subpoena or court order. Bank and Company agree that
Confidential Information shall be used by each Party solely in the performance of its obligations hereunder. Each Party shall receive Confidential Information in confidence and shall not disclose Confidential Information to any third party, except
as may be necessary to perform its obligations hereunder, to the Regulatory Authorities, as may be otherwise agreed in writing by the Party furnishing the information, or as required by the Rules. 

Upon request or upon any expiration or termination of this Agreement, to the extent permitted by applicable law, each Party shall return to
the other Party or destroy (as the latter may instruct) all of the latter’s Confidential Information in the former’s possession that is in any written or other recorded form, including data stored in any computer medium; provided, however,
that a Party may retain the Confidential Information of the other Party (but subject to the requirements of the preceding paragraph) to the extent that such Party needs access to such information to continue to perform any of its obligations
hereunder or to service or administer Loans or otherwise perform obligations owed by such Party to another Person or pursuant to any document retention policies, or pursuant to any of the Rules. 

  
 21 

 Section 10.5 Privacy Law Compliance; Security Breach Disclosure. Each Party agrees
that it shall obtain, use, retain and share information concerning Borrowers and Applicants, including nonpublic personal information as defined under the Gramm-Leach-Bliley Act of 1999 (“Customer Information”), in strict compliance with
all applicable state and federal laws and regulations concerning the privacy and confidentiality of such information, including the requirements of the federal Gramm-Leach-Bliley Act of 1999, its implementing regulations and Bank’s privacy
policy, in connection with this Agreement. Neither Party shall disclose or use information concerning Borrowers or Applicants other than to carry out the purposes for which such information has been disclosed to it hereunder. Further, each Party
shall require any Third Party Service Providers to maintain the confidentiality of said information in a similar fashion by requiring that any Third Party Service Providers enter into written confidentiality with terms and conditions protecting the
confidentiality of the Customer Information that are at least as stringent as those set forth in this Agreement. Each Party shall promptly disclose to the other Party any breaches in security affecting its operations, the identity or information
regarding any Borrower or Applicant, or any breach relating to such Party’s databases or to information maintained by such Party with respect to Loans, Borrowers or Applicants. Each Party shall report to the other Party when any such material
intrusion has occurred, the estimated effect of the intrusion on such Party, any Borrowers and any Applicants, and the specific corrective actions taken or planned to be taken. In addition, each Party agrees that it will not make any material
changes to its security procedures and requirements affecting the performance of its obligations hereunder which would materially lessen the security of its operations or materially reduce the confidentiality of any databases and information
maintained with respect to the other Party, Borrowers, and Applicants without the prior written consent of such Party. 
 Section 10.6
Force Majeure. In the event that either Party fails to perform its obligations under this Agreement in whole or in part as a consequence of events beyond its reasonable control (including, without limitation, acts of God, fire, explosion,
public utility failure, accident, floods, embargoes, epidemics, war, terrorist acts, nuclear disaster or riot), such failure to perform shall not be considered a breach of this Agreement during the period of such disability. In the event of any
force majeure occurrence as set forth in this Section 10.6, the disabled Party shall use its best efforts to meet its obligations as set forth in this Agreement. The disabled Party shall promptly and in writing advise the other Party if it is
unable to perform due to a force majeure event, the expected duration of such inability to perform and of any developments (or changes therein) that appear likely to affect the ability of that Party to perform any of its obligations hereunder in
whole or in part. 
 Section 10.7 Regulatory Examinations and Financial Information. Each Party agrees to submit to any
examination that may be required by any Regulatory Authority with audit and examination authority over the other Party, to the fullest extent that such Regulatory Authority may require, including examination by the FDIC to the same extent as Bank.

 Company also agrees that Bank (either directly or by the use of accountants or other agents or representatives) may audit, inspect and
review Company’s files, records and books that pertain to the duties and obligations of Company hereunder or to the creditworthiness of 

  
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Company or which Bank may reasonably require in order to respond to any examination by or request from a Regulatory Authority, provided that such audit shall be during regular business hours and
provided further with respect to any audit by Bank that is not in response to an examination or request of a Regulatory Authority such audit shall occur no more than once per year, upon 30 days prior written notice. Company agrees to submit to Bank
such information as Bank may from time to time reasonably request in order to ascertain Company’s compliance with the requirements of this Agreement and compliance of the Program, Company, and Third Party Service Providers retained by Company
with the Rules. 
 Section 10.8 Relationship of Parties; No Authority to Bind. Except as expressly provided in this Agreement,
Bank and Company agree they are independent contractors to each other in performing their respective obligations hereunder. Nothing in this Agreement or in the working relationship established and developed hereunder shall be deemed or is intended
to be deemed, nor shall it cause, Bank and Company to be treated as partners, joint ventures or otherwise as joint associates for profit. Company understands and agrees that Company’s name shall not appear on any Loan Document as a maker of a
Loan and that Bank shall be responsible for all decisions to make or provide a Loan. Company shall refer to Bank any Borrower inquiries concerning the accuracy, interpretation or legal effect of any Loan Document during the period that Bank owns the
related Loan. Bank shall be deemed to have received and reviewed the Loan Documents and supporting materials only after the Loan Documents and materials have been received at Bank’s offices, at which time and place Bank shall decide whether to
make the Loan. Company shall not represent to anyone that Company has the authority or power to do any of the foregoing and shall make no representations concerning Bank’s transactions except as Bank shall expressly authorize in writing. Bank
shall not have any authority or control over any of the property interests or employees of Company. Without limitation of the foregoing, the Bank and Company intend, and they agree to undertake such action as may be necessary or advisable to ensure,
that: (a) the Program complies with federal-law guidelines regarding outsourcing of bank-related activities, installment loans, bank supervision and control and safety and soundness procedures; (b) the Bank is the lender under applicable
federal-law standards and is authorized to export its home-state interest rates and matters material to the rate under 12 U.S.C.A. §1831d; and (c) all activities related to the marketing and origination of a Loan are made by or on behalf
of the Bank as disclosed principal for any relevant regulatory, agency law and contract-law purposes. 
 Section 10.9
Severability. In the event that any part of this Agreement is ruled by a court, Regulatory Authority or other public or private tribunal of competent jurisdiction to be invalid or unenforceable, such provision shall be deemed to have been
omitted from this Agreement. The remainder of this Agreement shall remain in full force and effect, and shall be modified to any extent necessary to give such force and effect to the remaining provisions, but only to such extent. In addition, if the
operation of the Program or the compliance by a Party with its obligations set forth herein causes or results in a violation of a Rule, the Parties agree to negotiate in good faith to modify the Program or this Agreement as necessary in order to
permit the parties to continue the Program in full compliance with all Rules. 
 Section 10.10 Successors and Third Parties.
This Agreement and the rights and obligations hereunder shall bind and inure to the benefit of the Parties and their permitted 

  
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successors and assigns. The rights and benefits hereunder are specific to the Parties and shall not be delegated or assigned without the prior written consent of the other Party, which shall not
be unreasonably withheld, delayed, or conditioned. Except as set forth above, nothing in this Agreement is intended to create or grant any right, privilege or other benefit to or for any person or entity other than the Parties hereto.
Notwithstanding the foregoing, Bank may assign this Agreement and its rights hereunder without Company’s consent to any purchaser or acquirer of Bank or any successor to Bank by reason of any merger, consolidation or sale of assets, and Bank
may delegate its responsibilities and assign its rights hereunder in its discretion to an Affiliate (as defined in 12 U.S.C. § 371c) of Bank provided in each case such Party or delegate assumes all of Bank’s duties and obligations
hereunder. 
 Section 10.11 Notices. All notices, requests and approvals required or permitted by this Agreement shall be in
writing and addressed/directed to the other Party at the address/telefacsimile number/electronic mail (email) address below or at such other address/telefacsimile number/email address of which the notifying Party hereafter receives notice in
conformity with this Section 10.11. All such notices, requests and approvals shall be deemed given either (i) when personally delivered, (ii), if sent by mail which event it shall be sent postage prepaid, upon delivery thereof to the
addressee, (iii), if sent by telegraph, telex, telefacsimile (with oral confirmation of receipt), or email, upon sending or (iv) nationally recognized overnight delivery, upon delivery thereof to the addressee. The addresses and telefacsimile
numbers and/or email addresses of the Parties are as follows: 
  

			
	To Bank:	  	 Cross River Bank
 885 Teaneck Road

Teaneck, New Jersey 07666
 Attention: Gilles Gade, President

Facsimile No.: (201) 808-6565

		
	To Company:	  	 loanDepot.com, LLC
 26642 Towne Centre Drive

Foothill Ranch, California 92610
 Attention: Peter Macdonald

Facsimile No.: (949) 470-6237

 Section 10.12 Waiver; Amendments. Neither Party shall be deemed to have waived any of its rights,
powers or remedies hereunder except in an express writing signed by an authorized agent or representative of the Party to be charged. This Agreement may only be amended by written document executed by both Parties. 

Section 10.13 Counterparts. This Agreement may be executed and delivered by the Parties in any number of counterparts, each of
which shall be deemed an original and all of which together shall constitute one and the same instrument. 
 Section 10.14 Specific
Performance. Certain rights which are subject to this Agreement are unique and are of such a nature as to be inherently difficult or impossible to value monetarily. 

  
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In the event of a breach of this Agreement by either Party, an action at law for damages or other remedies at law would be inadequate to protect the unique rights and interests of the Parties.
Accordingly, the terms of this Agreement shall be enforceable in a court of equity by a decree of specific performance or injunction. Such remedies shall, however, be cumulative and not be exclusive and shall be in addition to any other remedy which
the Parties may have. 
 Section 10.15 Further Assurances. From time to time, the Parties will execute and deliver to the other
such additional documents and will provide such additional information as either may reasonably require to carry out the terms of this Agreement. 

Section 10.16 Entire Agreement. This Agreement, and the documents executed and delivered pursuant hereto, constitute the entire
agreement between the Parties, and may be amended or modified only by a writing signed by duly authorized representatives of each Party and dated subsequent to the date hereof. This Agreement shall supersede and merge all prior communications,
representations or agreements, either oral or written, between the Parties with respect to the subject matter hereof, except where survival of prior written agreements is expressly provided for herein. 

Section 10.17 Restriction on Use of Certain Information. Bank hereby agrees not to use, sell or transfer any list of Borrowers or
Applicants derived from the Program, without the prior written consent of Company, except as required by the Bank to comply with the Rules. 

Section 10.18 Survival. The terms of Sections 9.1 (Representations and Warranties of Company), 9.2 (Representations and Warranties
of Bank), 8.3 (Effect of Termination) and this Section 10 shall survive the termination or expiration of this Agreement. 

Section 10.19 Agreement Subject to the Rules. If (a) either Party has been advised by legal counsel of a change in the Rules
or any judicial decision of a court having jurisdiction over a Party or any interpretation of a Regulatory Authority that, in the good faith view of such legal counsel, would have a materially adverse effect on the rights or obligations of such
Party under this Agreement or the financial condition of such Party, (b) either Party shall receive a request of any Regulatory Authority having jurisdiction over such Party, including any letter or directive of any kind from any such
Regulatory Authority, that prohibits or restricts such Party from carrying out its obligations under this Agreement, or (c) either Party has been advised in good faith by legal counsel that such Party’s or the other Party’s continued
performance under this Agreement would violate the Rules, then the affected Party shall provide written notice to the other Party of such advisement or request and the Parties shall meet and consider in good faith any modifications, changes or
additions to the Program or this Agreement that may be necessary to eliminate such result. Notwithstanding any other provision of this Agreement, including Article VIII hereof, if the Parties are unable to reach agreement regarding such
modifications, changes or additions to the Program or this Agreement within thirty (30) days after the Parties initially meet, either Party may terminate this Agreement upon thirty (30) days’ prior written notice to the other Party. A
Party shall be able to suspend performance of its obligations under this Agreement, or require the other Party to suspend its performance of its obligations under this Agreement, upon providing the other Party with advance written notice, if any
event described in subsection 10.19(a), (b) or (c) above occurs and is continuing. 

  
 25 

 Section 10.20 Reconstitution Cooperation. Company acknowledges and agrees that with
respect to some or all of the Loans, the Bank or a Purchaser may effect one or more sales of the Loans as whole loan transfers (“Whole Loan Transfers”) or in connection with a securitization of all or a portion of the Loans purchased by a
Purchaser (a “Securitization Transaction). With respect to each Whole Loan Transfer or Securitization Transaction, Company agrees: 

(a) to cooperate in good faith with the Bank or a Purchaser and any prospective purchaser with respect to all commercially reasonable requests
in connection with any Whole Loan Transfer or Securitization Transaction; 
 (b) to execute all agreements reasonably required to be
executed by the Bank or a Purchaser in connection with such Whole Loan Transfer or Securitization Transaction provided that any such agreements are consistent with the terms hereof and do not impose any greater duties, liabilities or obligations
upon Company than those set forth herein and provided that Company is given an opportunity to review and reasonably negotiate in good faith the content of such agreements not specifically referenced or provided for herein; 

(c) to deliver to a Purchaser (for inclusion in any prospectus or other offering material) such information as may be required to be contained
therein under Regulation AB (even if such Whole Loan Transfer of Securitization Transaction is not subject to the requirements of Regulation AB) and such other publicly available information regarding the Company, its respective financial condition,
and any additional information reasonably requested by a Purchaser and any rating agencies, bond insurers and such other parties as a Purchaser shall designate; 

(d) to make the representations and warranties set forth in Section 9.1 as of the date of the Whole Loan Transfer or Securitization
Transaction (each such date referred to herein as a “Reconstitution Date”), with such changes to such representations and warranties as reflect occurrences between the date as of which they are given in this Agreement and the applicable
Reconstitution Date and to represent and warrant that the Loans were serviced in accordance with the terms of Section 3.1(i) of this Agreement between the Loan Funding Date for the applicable Loan and the applicable Reconstitution Date. 

[Signature Page Follows] 

  
 26 

 IN WITNESS WHEREOF, the parties have entered into this Agreement as of the date set forth above.

  

					
	CROSS RIVER BANK
		
	By:	 	

		 	  

		 	Gilles Gade, CEO
		
	By:	 	

		 	  

		 	Kathleen Nelson, COO
	
	LOANDEPOT.COM, LLC
		
	By:	 	  

		 	Its	 	  

  
 27 

 IN WITNESS WHEREOF, the parties have entered into this Agreement as of the date set forth above.

  

					
	CROSS RIVER BANK
		
	By:	 	  

		 	Its	 	  

	
	LOANDEPOT.COM, LLC
		
	By:	 	

		 	  

		 	Its	 	 Authorized Signatory

  
 27 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 SCHEDULE 1 

Bank Program Fees 
 The Bank Program Fees
shall be calculated as follows: 
 [***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

  
 28 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 SCHEDULE 2 

Eligibility Criteria 
 Each Loan
originated and funded by Bank under the Program shall comply in all material respects with the following eligibility criteria: 
  

	[***]	

  

	[***]	

  

	[***]	

 [***] 
  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  

	[***]	

  
 29 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
  

	[***]	

  

	[***]	

  

	[***]	

  
 30 

 SCHEDULE 3.1(O) 

Audits 
  

									
	 Item
	 	 Minimum

Frequency
	 	 Auditor
	 	 Description
	 	 Due Date

					
	Portfolio Analytics	 	Monthly	 	CRB	 	Portfolio Analytics: BOD report of program summary	 	15th of each month
	Loan File / Credit Policy	 	Daily	 	CRB	 	Sample loan files for adherence to credit criteria and program guidelines	 	Ongoing
					
	Compliance Review (consumer and regulatory)	 	Annual	 	3rd Party Firm	 	Form document review and compliance with current laws. Company is expected to have an internal process to monitor between audits. Policy updates and transaction testing	 	1 year from prior
	Program and Product Review	 	Quarterly	 	CRB	 	Review Program, Product, marketing and promotional developments	 	Ongoing
					
	SAS 70 (SSAE16) [if applicable]	 	Annual	 	3rd Party Firm	 	Test of Internal Controls	 	1 year from prior
	BSA/AML Audit	 	Annual	 	3rd Party Firm	 	Test of AML/BSA policies and compliance. Company is expected to have an internal process to monitor between audits. Can be part of compliance	 	1 year from prior
					
	Financial Audit	 	Annual	 	3rd Party Firm	 	Audited financial statements	 	April 30th or 90 days following CYE
					
	IT/Data Security	 	Annual	 	3rd Party Firm	 	External and internal network vulnerability assessment	 	1 year from prior
					
	Site Visit	 	Annual	 	CRB	 	Review of operations at company headquarters. Memo to BOD	 	Ongoing
					
	Agreed Upon Procedures and Policy	 	As Needed	 	CRB	 	Review needed changes to the programs. Minimum annual presentation of the program policy to the BOD	 	Ongoing

  
 31 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 EXHIBIT A 

Program Terms 
 Loan Interest
Rates: [***] 
 Loan Fees: 
 Bank Origination Fees

  

																			
	 	 	 	 	  	Loan Grade	  	Interest Rate	  	APR	  	Origination Fees
	 	 	 	 	  	 	  	36-mth	  	60-mth	  	36-mth	  	60-mth	  	36-mth	  	60-mth
		 				  	

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
		 				  	 

	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]	  	[***]
									
	 Late Payment Fee
	 	 	[***]	  	  		  		  		  		  		  		  	
	 ACH Return/Check Refund Fee
	 	 	[***]	  	  		  		  		  		  		  		  	

 Loan Term: [***] 

Loan Repayment Periods: [***] 
 Loan Security:
None 
 Loan Amounts: [***] 
 Minimum Qualifying
Credit Criteria: [***] 

  
 32 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 EXHIBIT B 

Bank Underwriting Requirements 

Credit Policy 
 The policies set forth have been
established by Cross River Bank (“Bank”) to underwrite personal loans, subject to the Program Terms (on Exhibit A). The terms and conditions included herein are set by the Bank and loanDepot has agreed to assist that these terms are met by
implementing certain procedures defined below. 
 Installment Loan Defined 

For the purposes of the Credit Policy, an installment loan is an unsecured fully amortizing loan. An unsecured loan is a loan that the applicant does not have
to use his/her property (real estate, cars, other assets) as collateral. The amount of credit the applicant receives is based on the applicant’s integrity and the ability to repay the loan. Loans are setup as a closed-end installment loan which
means that the applicant will be obligated to repay the loan in equal monthly payments generally up to 60 months duration. 
 Purpose 

Installment loans can be used to help eligible applicants with the following: 
  

	 	•	 	Home Improvement 

  

	 	•	 	Debt Consolidation 

  

	 	•	 	Major Purchases 

  

	 	•	 	Vacations 

  

	 	•	 	Auto 

  

	 	•	 	Medical/Dental 

 Loans for investment or student loan purposes are not allowed. 

Loan Term 
  

	 	•	 	[***] 

  

	 	•	 	[***] 

 Loan Amount 
  

	 	•	 	[***] 

  

	 	•	 	[***] 

 [***] 

  
 33 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 Interest 
 Interest on the loan
shall accrue from the date of loan funding, and shall be calculated on a simple interest basis. Rates and terms are set by the Bank in accordance with the Program Terms.* 
  

	*	Subject to applicable state law requirements 

 AUS (Automated Underwriting System) 

Company, on behalf of the Bank, will use an Automated Underwriting Engine that will evaluate each applicant’s credit worthiness, and provide terms and
conditions for approval or denial. The criteria used to determine the applicant’s creditworthiness, as set by the Bank are: 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 DTI 

The debt-to-income ratio is evaluated by the AUS off of the applicant’s stated income and excludes the monthly mortgage/rent. [***] 

Social Security Number Validation 
 Each applicant
must provide his/her Social Security Number (SSN) for credit and identity verification purposes. loanDepot will use certain tools, on behalf of the Bank, to verify the SSN provided. If identity fraud is suspected, additional documentation is
required to verify identity. 
 Income/Employment 

Income will be underwritten for DTI and employment verification purposes. The applicant is required to submit his/her most recent paystubs within 30 days and a
W-2. From these documents, the underwriter will confirm that the applicant’s income is within maximum DTI tolerances and that the applicant’s employment is current. 

  
 34 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 Income Calculation 

The specific method by which income is calculated will depend on the income type and documents provided by the applicant. 

 

	 	•	 	For W2 wage earners: The most recent paystubs and W-2 will be obtained to verify income calculations. The underwriter must use the paystub solely if the most current information is more relevant to the file. (i.e.
Applicant received a raise or started a new job.) 

  

	 	•	 	Variances between the stated and verified income that still qualify for an offer or are less than 20% do not need any additional approval. 

 

	 	•	 	For self employed applicants: 1 year tax returns, net monthly (gross minus deductions, adding back non cash deductibles such as depreciation, etc) will be used. 

Assets/Reserves 
 There are no requirements for the
applicant in terms of asset/reserves verification. 
 Liabilities 

There are no limitations on applicants for total liabilities, provided that the applicant meets the Bank’s credit and DTI requirements. 

Credit History 
 The review of the credit report
will be for FICO score and to review bankruptcy and foreclosure scenarios, if applicable. 
 FICO 

 

	 	•	 	Minimum FICO is [***] 

 Bankruptcy 

[***] 
 [***] 

[***] 

  
 35 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 [***] 

[***] 
 Fraud Checks 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

[***] 
 [***] 

These tests are run automatically on every application. The results of these tests are shown to the underwriter for review and consideration during the
underwriting process. Fraud hits/red flags will result in additional documentation requests from the applicant or result in loan declination. 

Counter Offers 
 After application of the
underwriting guidelines, Bank will provide counter offers to eligible applicants. The counter offer will be based on the criteria outlined under the AUS section above. 

Fees & Charges 
 Loan fees are based on
applicant’s credit and loan term as provided in the Program Terms. 
 Signature Requirements 

The applicant must be able to execute the promissory note and the TIL by electronic signature. 

Assumability The loans are not assumable. 

  
 36EX-10.33

 Exhibit 10.33 

[***] – Confidential portions of this document have been redacted and filed separately with the Commission. 

EXECUTION 
 SUBSERVICING
AGREEMENT 
 BY AND BETWEEN 

CENLAR FSB 
 AND

 LOANDEPOT.COM, LLC 

Dated: April 19, 2012 

 SUBSERVICING AGREEMENT 

THIS SUBSERVICING AGREEMENT (“Agreement”) is made as of April 19, 2012, (the “Contract Date”) by and between
loanDepot.com, LLC (“Owner/Servicer”) and Cenlar FSB (“Subservicer”). 
 RECITALS 

WHEREAS, Subservicer is engaged in the business of servicing and subservicing Mortgage Loans evidenced by Notes and secured by
Mortgages (as those terms are defined below); and 
 WHEREAS, Owner/Servicer owns the right to service the Mortgage Loans identified
on Exhibit I attached hereto and Subservicer has the capacity to subservice said Mortgage Loans for Owner/Servicer; and 
 WHEREAS,
Owner/Servicer desires that Subservicer perform, as a subservicer, certain servicing functions for said Mortgage Loans and Subservicer is agreeable thereto. 

NOW, THEREFORE, in consideration of the mutual recitals, agreements set forth herein, and other good and valuable consideration
received, but not herein recited, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree and covenant as follows: 

ARTICLE I. 
 DEFINITIONS

 For purposes of this Agreement, each of the following capitalized terms shall have the respective meanings specified set forth below.

  

	Section 1.1	Agencies: 

 FHLMC, FNMA and GNMA, as the context may indicate, each an
“Agency”. 
  

	Section 1.2	Agreement: 

 This Agreement as the same may be from time to time amended. 

 

	Section 1.3	Ancillary Income: 

 Commissions and other income earned on optional insurance premiums
received that are related to the Mortgage Loans and such other fees earned from other solicitations of Mortgagors. 
  

	Section 1.4	Applicable Requirements: 

 As of the time of reference, the following as applicable for
each Mortgage Loan: (i) all obligations of Owner/Servicer related to the servicing of a Mortgage Loan (other than the obligation to make P&I Advances or Servicing Advances) including without limitation those contractual obligations of
Owner/Servicer or Subservicer contained in this Agreement or in the Mortgage Loans for which Owner/Servicer is responsible; (ii) all 

  
 1 

 
applicable Mortgage Loan related federal, state and local legal and regulatory requirements (including statutes, rules, regulations and ordinances) binding upon Owner/Servicer or Subservicer;
(iii) all other applicable requirements related to the servicing of a Mortgage Loan and guidelines of (1) each governmental agency, board, commission, instrumentality and other governmental body or office having jurisdiction over the
Mortgage Loan, including without limitation those of FHA, FHLMC, FNMA, GNMA, HUD and VA (exclusive of any FHLMC balloon reset obligations), and (2) any PMI Companies; and (iv) all other applicable judicial and administrative judgments,
orders, stipulations, awards, writs and injunctions. 
  

	Section 1.5	Bulk Servicing Transfer: 

 The transfer to Subservicer of the Mortgage Loans identified
on Exhibit I or a subsequent transfer to Subservicer of fifty or more Mortgage Loans at a given time for subservicing pursuant to this Agreement. 
  

	Section 1.6	Bulk Servicing Transfer Instructions: 

 Subservicer’s transfer instruction set forth
in Exhibit V for a Bulk Servicing Transfer. 
  

	Section 1.7	Business Day: 

 Any day other than (i) a Saturday or Sunday, or (ii) a day on
which banking and savings and loan institutions in the state of New Jersey are authorized or obligated by law or executive order to be closed. 
  

	Section 1.8	Corporate Resolution: 

 A Corporate Resolution from the governing body of Owner/Servicer
substantially in the form of Exhibit VIII attached hereto. 
  

	Section 1.9	Custodial Account: 

 A time deposit or demand account created and maintained for the deposit of payments
of P&I and other payments with respect to Mortgage Loans, other than Escrow Payments and related disbursements. 
  

	Section 1.10	Damages: 

 Any and all assessments, judgments, claims, liabilities, losses, costs, damages or expenses
(including interest, penalties and reasonable attorneys’ fees, expenses and disbursements in connection with any action, suit or proceeding and including any such reasonable attorneys’ fees, expenses and disbursements incurred in enforcing
any right of indemnification against any indemnitor); provided that Damages shall not include punitive, consequential, exemplary or special damages (other than punitive, consequential, exemplary and special damages required to be paid by the
indemnified party under this Agreement to anyone (other than a party to this Agreement) arising out of an action or proceeding, which damages shall be deemed to be direct damages to the party required to pay such punitive, consequential, exemplary
or incidental damages); and provided further that losses resulting from the termination of all or any portion of the servicing or subservicing under any servicing agreement shall not be deemed to be consequential, exemplary or incidental damages.

  
 2 

	Section 1.11	Decisioning Fee: 

 A fee set forth in Exhibit II that is earned and due and payable by
Owner/Servicer to Subservicer when Subservicer has engaged in Loss Mitigation and made (i) a recommendation to Owner/Servicer or Investor or (ii) a decision, if so authorized, to offer or decline relief other than foreclosure to the
affected Mortgagor. 
  

	Section 1.12	Disposition Fee: 

 A fee set forth in Exhibit II that is earned and due and payable by
Owner/Servicer to Subservicer upon execution of a loan modification or written (formal) repayment plan by the Mortgagor or the receipt by Subservicer of funds representing an approved short sale or receipt of documents representing completion of a
deed-in-lieu of foreclosure or an approved assumption of a defaulted Mortgage Loan. 
  

	Section 1.13	Escrow Account: 

 A time deposit or demand account created and maintained for the deposit
of Escrow Payments and related disbursements. 
  

	Section 1.14	Escrow Account Deposits: 

 For each Mortgage Loan the balance of all Escrow Payments
remaining for disbursement to pay Insurance and Lienable Items. 
  

	Section 1.15	Escrow Payments: 

 The amounts required to be paid into escrow by the Mortgagor pursuant
to any Mortgage Loan and held in Escrow Accounts, which include amounts being held for payment of taxes, assessments, water rates, flood insurance premiums, fire and hazard insurance premiums, mortgage insurance premiums and other payments,
including Insurance and Lienable Items. 
  

	Section 1.16	Exit Fee: 

 With respect to each Mortgage Loan, the amount set forth in Exhibit II of
this Agreement payable upon termination or expiration of this Agreement or removal of the Mortgage Loan from Subservicer’s subservicing system at the request of Owner/Servicer or Investor, except as otherwise provided in this Agreement. 

 

	Section 1.17	FDIC: 

 The Federal Deposit Insurance Corporation. 

 

	Section 1.18	FHA: 

 The Federal Housing Administration. 

 

	Section 1.19	FHLMC: 

 The Federal Home Loan Mortgage Corporation. 

 

	Section 1.20	Flow Servicing Transfer: 

 Any transfer of Mortgage Loans to Subservicer for subservicing
that is not a Bulk Servicing Transfer. 

  
 3 

	Section 1.21	Flow Servicing Transfer Instructions: 

 Subservicer’s transfer instructions set
forth in Exhibit VI for a Flow Servicing Transfer. 
  

	Section 1.22	FNMA: 

 Fannie Mae, formally known as Federal National Mortgage Association. 

 

	Section 1.23	GNMA: 

 The Government National Mortgage Association. 

 

	Section 1.24	Guides: 

 The Bulk Servicing Transfer Instructions, Flow Servicing Transfer Instructions
and Interim Serviced Mortgage Loan Transfer Instructions. 
  

	Section 1.25	HUD: 

 The Department of Housing and Urban Development. 

 

	Section 1.26	Initial Transfer Date: 

 The first Transfer Date. 

 

	Section 1.27	Insurance: 

 Insurance that protects against loss or damage from fire and other hazards
covered by the standard extended coverage endorsement, or equivalent policies, flood insurance, primary mortgage guaranty insurance and other insurance required by the Mortgage. 

 

	Section 1.28	Investor: 

 The owner of the Note, which may be Owner/Servicer. 

 

	Section 1.29	Interim Serviced Mortgage Loan: 

 A Mortgage Loan designated by Owner/Servicer at the
Transfer Date as being an Interim Serviced Mortgage Loan which designation continues until the Mortgage Loan is transferred to a new servicer or until the Mortgage Loan is no longer an Interim Serviced Mortgage Loan pursuant to Section 2.12 and
Section 2.13. 
  

	Section 1.30	Interim Serviced Mortgage Loan Transfer Instructions: 

 Subservicer’s transfer
instructions set forth in Exhibit VII for an Interim Servicing Transfer. 
  

	Section 1.31	Interim Servicing Transfer: 

 Any transfer of an Interim Serviced Mortgage Loan to
Subservicer for subservicing. 
  

	Section 1.32	Late Charge: 

 The charge imposed on the Mortgagor pursuant to the applicable Note or
Mortgage for making a required payment after the scheduled due date and any applicable grace period. 

  
 4 

	Section 1.33	Lienable Item: 

 Taxes, ground rents and other recurring similar charges that would
become a lien on the Mortgaged Property and take priority over the lien of the Mortgage. 
  

	Section 1.34	Loss Mitigation: 

 Those efforts, other than foreclosure, taken to lessen losses to an
Investor when collection efforts have not resulted in a Mortgagor curing a delinquency or if required by Applicable Requirements. Such efforts may include, advising Mortgagors of various relief alternatives to foreclosure, receipt and analysis of a
Mortgagor’s financial information, determining the value of the Mortgaged Property and recommending to Investor or Owner/Servicer approval or denial of a relief alternative, as applicable. 

 

	Section 1.35	Mortgage: 

 The mortgage, deed of trust or other instrument creating a first lien on a
Mortgaged Property securing a Note (or a first lien on (i) in the case of a cooperative, the related shares of stock in the cooperative securing the Note and (ii) in the case of a ground rent, the leasehold interest securing the Note).

  

	Section 1.36	Mortgage Loan: 

 Fixed or adjustable rate residential mortgage loans, or pools of
residential mortgage loans identified on Exhibit I, and similar loans for which Subservicer subsequently accepts subservicing from Owner/Servicer from time to time for inclusion under the terms of this Agreement, as well as other types of loans for
which Subservicer accepts subservicing subject to such additional or different terms and conditions as may be agreed to by Owner/Servicer and Subservicer and any REO resulting from Mortgage Loans described in this definition. 

 

	Section 1.37	Mortgaged Property: 

 The property described in a Mortgage securing repayment of the debt
evidenced by a Note. 
  

	Section 1.38	Mortgagor: 

 The mortgagor, grantor of security deeds, grantor of trust deeds and deeds
of trust, and any similar grantor of any Mortgage, and any obligor on a Note or owner of a Mortgaged Property. 
  

	Section 1.39	Note: 

 The original executed note evidencing the indebtedness of a Mortgage Loan. 

 

	Section 1.40	P&I: 

 Principal and interest. 

 

	Section 1.41	P&I Advance: 

 Principal and interest, if any, and all amounts advanced to an
Investor related to a Mortgage Loan, including those Mortgage Loans in any pool created through mortgage backed pass-through certificates or securities, and any amounts advanced due to negative amortization or interest required to be paid to an
Investor upon payoff of a Mortgage Loan. 

  
 5 

	Section 1.42	PMI: 

 Private mortgage insurance. 

 

	Section 1.43	PMI Companies: 

 The insurance companies that have issued PMI policies insurance on any
of the Mortgage Loans. 
  

	Section 1.44	REO: 

 A Mortgaged Property acquired by Owner/Servicer or Investor by foreclosure or
other process. 
  

	Section 1.45	REO Disposition: 

 The final sale by Subservicer of any REO. 

 

	Section 1.46	Service Rendered Ancillary Fees: 

 Fees charged by and within the control of Subservicer
to the related Mortgagor in consideration of fulfilling specific requests by the Mortgagor. Such fees include, but are not limited to, fees for amortization schedules, copies of documents; duplicate statements or coupon books, loan histories, loan
verifications, faxing documents, payoff statement delivery and/or preparation fees, wire fees, e-pay, phone-pay, ACH, uncollected funds, processing of assumptions, partial releases, correction of legal
description, and condominium conversions, easements, or subordinations. 
  

	Section 1.47	Servicing Advance: 

 All customary, reasonable and necessary “out of pocket”
costs and expenses related to the servicing of a Mortgage Loan, including, but not limited to, the cost of (i) the preservation, restoration and protection of the Mortgaged Property, (ii) any enforcement or judicial proceedings, including
bankruptcy, foreclosure and Loss Mitigation costs along with the related costs, expenses and fees of foreclosure or bankruptcy or of acquiring title to the Mortgaged Property by deed-in-lieu of foreclosure, (iii) any appraisals, valuations,
broker price opinions, inspections, or environmental assessments, (iv) the management and liquidation of the REO, (v) payment of taxes, assessments, water rates, mortgage insurance premiums, fire and hazard insurance premiums, flood
insurance premiums and other payments defined herein, and (vi) amounts paid by Subservicer to third parties pursuant to the requirements of this Agreement, or advanced pursuant to any applicable Investor requirements or servicing agreement by
which Owner/Servicer is or may be bound, excluding a P&I Advance. 
  

	Section 1.48	T&I: 

 Taxes and insurance. 

 

	Section 1.49	Term Servicing Loan: 

 A Mortgage Loan that is not an Interim Serviced Mortgage Loan.

  
 6 

	Section 1.50	Transfer Date: 

 With respect to any particular Mortgage Loan, the date on which
Subservicer commences subservicing of the Mortgage Loan and the related data resides on Subservicer’s system. 
  

	Section 1.51	VA: 

 The United States Department of Veterans Affairs. 

ARTICLE II. 
 AGREEMENTS
OF SUBSERVICER 
  

	Section 2.1	General. 

 Subservicer hereby agrees to subservice the Mortgage Loans on behalf of
Owner/Servicer pursuant and subject to the terms of this Agreement. 
 Subservicer shall subservice the Mortgage Loans on a “Private
Label” basis meaning that all communications and documentation provided to Mortgagors under this Agreement shall contain (and/or refer to) the name of Owner/Servicer. Subservicer shall display Owner/Servicer’s name, trademarks and/or
service marks, as applicable as if services hereunder are being provided directly by Owner/Servicer. There shall be no reference to Subservicer or any other entities, provided, however, that where Applicable Requirements require that Subservicer
disclose its name, Subservicer may orally identify itself, or display its name in the least conspicuous manner permitted by such Applicable Requirements. Owner/Servicer authorizes Subservicer to use Owner/Servicer’s logo, letterhead, service
marks and trademarks to perform the services hereunder and shall display same pursuant to Owner/Servicer’s written directions and guidelines. Nothing herein grants Subservicer any right, title, or interest in Owner/Servicer’s logos, marks
or trademarks. Subservicer will not at any time during or after this Agreement register, attempt to register, or claim any interest in, any of Owner/Servicer’s logos, marks, and/or trademarks. 

The parties agree that FNMA’s guidelines will be applicable as to any servicing function to be performed by Subservicer hereunder unless
Applicable Requirements necessitate another standard, practice or procedure be applied to the particular Mortgage Loan in question. 
  

	Section 2.2	Performance of Services. 

 Subservicer will perform its services: (i) in a good,
timely, efficient, professional, and workmanlike manner; (ii) using personnel who are fully-familiar with the technology, processes, and procedures to be used to deliver the services; (iii) with at least the degree of accuracy, quality,
efficiency, completeness, timeliness, and responsiveness as are equal to or higher than the accepted industry standards applicable to the performance of the same or similar services; and (iv) in compliance and accordance with the provisions of
this Agreement and Applicable Requirements. 

  
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 In addition, Subservicer will service the applicable Mortgage Loans in compliance with the
applicable Service Level Agreement(s) attached as Exhibit IX including, but not limited to, meeting the targeted requirements therein. 
 In
the event Subservicer should fail to perform as agreed, Subservicer will, without charge, promptly correct any deficiencies giving rise to such failure. If any failure prevents or substantially interferes with Owner/Servicer’s ability to
conduct its business, Subservicer will use best efforts to correct the failure as soon as practicable after Subservicer learns of such deficiency or such other time period as may be set forth elsewhere in this Agreement. 

 

	Section 2.3	Procedure. 

 The procedures listed in this Section 2.3 are standard procedures
applicable to Term Servicing Loans. Procedures for servicing Interim Serviced Mortgage Loans are designated elsewhere in this Agreement. 

Until the P&I of each Mortgage Loan is paid in full, unless this Agreement is sooner terminated pursuant to the terms hereof, and subject
to all Applicable Requirements, Subservicer shall: 
  

	 	a.	Collect from Mortgagors applicable payments of P&I, and applicable deposits for taxes, assessments and other public charges that are generally escrowed, hazard insurance premiums, flood insurance premiums as
required, FHA insurance or PMI premiums, optional insurance premiums, and all other items, as they become due; 

  

	 	b.	Accept payments of P&I and Escrow Payments only in accordance with the Mortgage Loan documents and Applicable Requirements. Deficiencies or excesses in payments shall be accepted and applied, or accepted and not
applied, or rejected in accordance with Applicable Requirements; 

  

	 	c.	Apply all payments of P&I and Escrow Payments collected from the Mortgagor, and maintain permanent mortgage account records capable of producing, in chronological order: the date, amount, distribution, installment
due date or other transactions affecting the amounts due from or to the Mortgagor and indicating the latest outstanding balances of principal, escrow accounts, advances, and unapplied payments; 

 

	 	d.	Pending disbursement, segregate, deposit and hold funds in Escrow Accounts and Custodial Accounts at an institution the accounts of which are insured by the FDIC, in such manner as to show the custodial nature thereof,
and so that Investor and each separate Mortgagor whose funds have been deposited into such account or accounts will be individually insured to the applicable limits under the rules of the FDIC. Subservicer’s records shall show the respective
interest of Investor and each Mortgagor in all such Escrow Accounts and Custodial Accounts. All funds collected for principal and interest shall be maintained by and carried in records of Subservicer as “trustee” for Investor, except as
may otherwise be required by Applicable Requirements; 

  
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	 	e.	Pay, as a Servicing Advance, interest on Mortgagors’ escrow accounts that it maintains or controls pursuant to sub-paragraph (d) above if any Applicable Requirement requires the payment of interest on such
amounts to Mortgagors. As applicable, Subservicer will determine the amount of Escrow Payments to be made by Mortgagors and will furnish to each Mortgagor, at least once a year, an analysis of the each Mortgagor’s escrow account in accordance
with Applicable Requirements; 

  

	 	f.	With respect to administering, monitoring, and remitting Taxes, Insurance and other Lienable Items: 

  

	 	1.	For each Mortgage Loan, monitor and maintain accurate records on the status of Insurance and Lienable Items. 

  

	 	2.	For a given Mortgage Loan: 

 (a) if Escrow Payments for the payments of Insurance or Lienable
Items are required by the Mortgage and not waived or suspended, Subservicer shall obtain and pay from the Mortgagor’s Escrow Account Deposits (i) Insurance premiums when due and (ii) all bills covered by the applicable life-of-loan
guaranteed tax service contract (“Tax Service Contract”) prior to the applicable penalty in a manner consistent with accepted servicing practices. 

When a Mortgagor’s Escrow Account Deposits are insufficient to pay an Insurance premium or a Lienable Item when due, Subservicer shall
proceed in accordance with paragraph 2(c) below. 
 (b) When Escrow Payments are not required by the Mortgage or have been waived or
suspended, then, (i) upon notification to Subservicer by the tax service provider that a Lienable Item was not paid, (ii) if Subservicer otherwise has actual knowledge of the non-payment of a Lienable Item or a required Insurance premium,
or (iii) the Mortgagor fails to timely supply Subservicer with renewal policies of Insurance and evidence of prepayment of related premiums, Subservicer will use commercially reasonable efforts to obtain from the Mortgagor, evidence of payment
of the delinquent items and, if required, of the existence of required policies. 
 If the Mortgagor fails to thereafter provide Subservicer
with evidence of the payment of the delinquent item, Subservicer will proceed as set forth in 2(c) below. 
 (c) If a Mortgage Loan requires
a Servicing Advance for the payment of a Lienable Item or an Insurance premium, Subservicer will pursuant to Section 2.10, either make such Servicing Advance or interim bill Owner/Servicer for such amount. Subservicer will seek reimbursement
from the Mortgagor and unless collected by 

  
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Subservicer from the Mortgagor prior, or paid by Owner/Servicer pursuant to an interim billing pursuant to 2.10, to Subservicer’s next monthly invoice, Owner/Servicer shall reimburse
Subservicer for all outstanding deficiencies, and any other Servicing Advances made by Subservicer to protect the security of Owner/Servicer and Investor, in accordance with Section 4.2 hereof. 

In addition, if permitted to do so under Applicable Requirements, Subservicer will establish fully funded Escrow Account Deposits for a
Mortgage Loan at the earliest practicable time. 
 (d) If the Mortgagor fails to timely provide Subservicer with evidence of required
Insurance, Subservicer will if necessary, “lender-place” lapsed hazard, windstorm and/or flood insurance in at least an amount sufficient to protect Investor’s interest. 

(e) Subservicer will take appropriate steps to recover Servicing Advances as quickly as Applicable Requirements permit. Unless collected by
Subservicer prior to Subservicer’s next monthly invoice, Owner/Servicer shall reimburse Subservicer for such Servicing Advances in accordance with Section 4.2 hereof. 

(f) Subservicer will not be liable for any penalties, losses or Damages resulting from the nonpayment of taxes in a timely manner in the event
a Tax Service Contract is not established prior to the relevant next due bill request cutoff date or if once a Tax Service Contract is established, if such nonpayment is due to invalid, inaccurate or missing data or a failure of the tax service
provider. In the event a Tax Service Contract has not been established prior to the relevant next due bill request cutoff date or Subservicer has been unable to verify the validity, accuracy or existence of the data with the tax service provider,
Subservicer will use commercially reasonable efforts, including review of information provided by the tax service provider to Owner/Servicer relating to those Mortgage Loans with respect to which Subservicer has commenced subservicing, to remit
payment for taxes or such other recurring charges before any penalty date. For purposes of this Section, the term “bill request cutoff date” means the date by which the tax service provider must submit a request for bills for tax or other
recurring charges to the relevant taxing authority. 
  

	 	g.	Maintain applicable FHA mortgage insurance, VA guaranty, PMI, or optional insurance, as applicable, in effect on the Transfer Date, provided, however, that Subservicer shall not be obligated to make a Servicing Advance
for payment of any optional insurance premium; and 

  

	 	h.	Ensure that improvements on a Mortgaged Property are insured pursuant to Investor requirements by a hazard insurance policy, if Escrow Payments are collected therefor, and a flood insurance policy, if required by
Applicable Requirements. 

  
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	Section 2.4	Other Services. 

 Subservicer shall be responsible for further safeguarding
Investor’s interest in each Mortgaged Property: 
  

	 	a.	Conduct a property inspection within 15 days after the Mortgagor is thirty (30) days or more delinquent in the payment of any obligation under the Note and Mortgage, and perform such other inspections as prudence
and sound business judgment, in Subservicer’s discretion, suggest; 

  

	 	b.	To the extent commercially reasonable, securing any Mortgaged Property found to be vacant or abandoned in accordance with Applicable Requirements where there has been no communication from the Mortgagor or the
Mortgagor’s representative advising Subservicer of a contrary occupancy status and reporting the occupancy status to the Investor; 

  

	 	c.	Whenever Subservicer receives actual notice of any liens, probate proceeding, tax sale, partition, local ordinance violation, condemnation or proceeding in the nature of eminent domain or similar event that would, in
Subservicer’s judgment, impair Investor’s security, Subservicer shall notify Investor (where Owner/Servicer is the Investor such notice shall be within five (5) Business Days) and assist Investor or Owner/Servicer in undertaking
appropriate action to preserve Investor’s security; 

  

	 	d.	Notifying Owner/Servicer or, if required, Investor of any notices of non-routine litigation, change in ownership, requests for partial releases, easements, substitutions, division, subordination, alterations, or waivers
of security instrument terms and processing such matters in accordance with instructions received from Owner/Servicer; 

  

	 	e.	Disbursing insurance loss settlements, including: 

  

	 	1.	Receiving reports of insurance losses and assuring that proof of loss statements are properly filed; 

  

	 	2.	Authorizing the restoration and rehabilitation of the damaged property. If Owner/Servicer is named as an additional loss payee, Subservicer is hereby empowered to endorse any loss draft issued in respect of such claim
in the name of Owner/Servicer; 

  

	 	3.	Collecting, endorsing and disbursing the insurance loss proceeds and arranging for progress inspections and payments, if necessary; 

  

	 	4.	Complying with all Applicable Requirements pertaining to settlement of insurance losses; 

  
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 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
  

	 	5.	In general, complying with Applicable Requirements to assure that the priority of the Mortgage is preserved; and 

  

	 	6.	If special disaster procedures are issued by Investors or governmental agencies, Subservicer will release funds in accordance with those policies. 

 

	Section 2.5	Accounting and Investor Reporting. 

 Subject to Applicable Requirements, Subservicer
shall: 
  

	 	a.	Remit to each Investor, on a date and in a manner specified by Investor, all amounts due to such Investor. Subservicer will remit any guaranty fees in accordance with Applicable Requirements. Owner/Servicer shall
reimburse Subservicer for said guaranty fees in accordance with Section 4.2 hereof; 

  

	 	b.	Make direct remittances to third parties to whom Investor has sold or assigned all or part of its interest in a Mortgage Loan, including the sale of participating interests therein, provided that this Agreement remains
in full force and effect with respect to such Mortgage Loan and for which Subservicer receives a minimum of thirty (30) days’ written notice of such sale or assignment. If following the sale or transfer, Subservicer must make more than one
remittance per month with respect to a Mortgage Loan, Subservicer shall be entitled to and shall be paid additional compensation of [***] ($[***]) per each affected Mortgage Loan per month for each such additional remittance; 

 

	 	c.	Promptly deliver to Owner/Servicer any notice received by Subservicer from an Investor that instructs Subservicer to service-release any Mortgage Loan. Unless timely instructed otherwise by Owner/Servicer, Subservicer
shall proceed in accordance with Investor’s instructions. In the event Owner/Servicer instructs Subservicer to not proceed with Investor’s instructions, Owner/Servicer agrees to hold Subservicer harmless for any action taken or claim
brought against Subservicer by Investor, and from any losses or Damages, including reasonable attorneys’ fees, resulting therefrom. To the extent any Mortgage Loan(s) is thereafter service-released in accordance with Investor’s
instructions, Subservicer shall be entitled to the payment by Owner/Servicer of the Exit Fee as provided in Exhibit II attached hereto; 

  

	 	d.	Where Investors require interest paid through the end of the month although interest due from the Mortgagor is to the actual date of the pay-off, pay any uncollected interest due Investor subject to funding and/or
reimbursement by Owner/Servicer of such amounts as P&I Advances. If funded by Subservicer Owner/Servicer shall reimburse Subservicer for any such P&I Advances in accordance with Section 4.2; 

  
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	 	e.	Not accept any prepayment of any Mortgage Loan except as specified, required or authorized by Applicable Requirements and by the terms of the Mortgage, nor waive, modify, release or consent to postponement on the part
of the Mortgagor of any term or provision of the Mortgage Loan documents without the written consent of Investor; 

  

	 	f.	Upon payment of a Mortgage Loan in full, and subject to Section 3.2 hereof, have prepared and file any necessary release or satisfaction documents, and continue subservicing of the Mortgage Loan pending final
settlement, and refund amounts due the Mortgagor in accordance with Applicable Requirements; 

  

	 	g.	Make interest rate adjustments in compliance with Applicable Requirements and the Mortgage Loan documents to reflect the applicable movements of the applicable Mortgage Loan rate index. Subservicer shall deliver all
appropriate notices required by Applicable Requirements and the Mortgage Loan documents regarding such interest rate adjustments including but not by way of limitation, timely notification to Investor, of the applicable date and information
regarding such interest rate adjustment, the methods of implementation of such interest rate adjustments, new schedules of Investor’s share of collections of principal and interest, and of all prepayments of any Mortgage Loan hereunder by
Mortgagor; 

  

	 	h.	Perform such other customary duties, furnish copies of standard reports and execute such other documents in connection with its duties hereunder as Owner/Servicer and Investor from time to time reasonably may require.
All reports deemed standard under this Section 2.5 are contained in Exhibit IV hereof; and 

  

	 	i.	Use commercially reasonable efforts to provide special reports, data files, or related services to Owner/Servicer, Investor or any third party, at the request of Owner/Servicer. Subservicer shall thereupon bill
Owner/Servicer for such reports, data files or related services in accordance with Exhibit III, as applicable, or in accordance with a separate fee to be determined in advance by Owner/Servicer and Subservicer, and same shall be paid in accordance
with Section 4.2. 

  

	Section 2.6	Delinquency Control. 

 Subservicer shall: 

 

	 	a.	Maintain a delinquent mortgage servicing program which shall include an adequate accounting system that indicates the existence of delinquent Mortgage Loans, a procedure that provides for sending delinquent notices,
assessing late charges, and returning inadequate payments, and a procedure for the individual analysis of distressed or chronically delinquent Mortgage Loans; 

  
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	 	b.	Maintain a collection department, which includes an on-line automated collection system, that substantially complies with established FNMA collection guidelines; 

 

	 	c.	Provide Owner/Servicer and Investor with a month-end collection and delinquency report identifying and describing the status of any delinquent Mortgage Loans, and from time to time as the need may arise, provide
Owner/Servicer and Investor with Mortgage Loan service reports relating to any items of information which Subservicer is otherwise required to provide hereunder, or detailing any matters Subservicer believes should be brought to the special
attention of Owner/Servicer and Investor; and 

  

	 	d.	Upon the request of Owner/Servicer and Investor, administer the foreclosure or other acquisition of the Mortgaged Property relating to any Mortgage Loan, process claims for any applicable mortgage insurance and until
the transfer of such Mortgaged Property to Investor, private mortgage insurer or FHA or VA, as applicable, protect such property from waste and vandalism. Subservicer will have title to the Mortgaged Property conveyed in the name designated by
Investor. 

  

	Section 2.7	Real Estate Owned. 

 In the event that title to a Mortgaged Property is acquired in
foreclosure, redemption, ratification or by deed in lieu of foreclosure, the deed or certificate of sale shall be taken in the name of Investor or its designee. 

Subservicer shall also maintain on each REO monthly fire and hazard insurance with extended coverage in an amount which is at least equal to
the maximum insurable value of the improvements which are a part of such property and, to the extent required and available under the national flood insurance program, flood insurance, all in the amounts required under Applicable Requirements.
Owner/Servicer shall be responsible for obtaining and maintaining any liability coverage insuring Owner/Servicer. 
 Subservicer shall be
entitled to the monthly subservicing fee with respect to REO indicated in Exhibit II. 
 If Owner/Servicer requests Subservicer in writing
to do so, Subservicer shall, for the additional fee (the “Marketing REO Fee” set forth on Exhibit II), use reasonable efforts to dispose of the REO as soon as possible. Each REO Disposition shall be carried out by Subservicer at such price
and upon such terms and conditions as are approved in writing by Owner/Servicer. The proceeds from the sale of the REO shall be promptly deposited in the Custodial Account. As soon as practical thereafter, the expenses of such sale shall be paid and
Subservicer shall reimburse itself for any outstanding Servicing Advances related to the REO. The Marketing REO Fee shall be payable to Subservicer by Owner/Servicer at the time of REO Disposition or upon transfer of servicing responsibilities for
an REO prior to REO Disposition. 

  
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	Section 2.8	Books and Records. 

 Subservicer will keep records in accordance with industry standards
pertaining to each Mortgage Loan, and such records shall be the property of Owner/Servicer and upon termination of this Agreement shall be delivered to Owner/Servicer at Owner/Servicer’s expense. 

Subservicer shall cause a certified public accountant selected and employed by it to provide Owner/Servicer not later than ninety
(90) days after the close of Subservicer’s fiscal year, with a certified statement of Subservicer’s financial condition as of the close of its fiscal year and a Uniform Single Attestation Program letter. Upon request, not later than
ninety (90) days after the close of Subservicer’s fiscal year, Subservicer will also provide Owner/Servicer with a summary of Subservicer’s Business Continuity Plan. Any additional requests for Mortgage Loan audit or confirmations to
be performed by Subservicer’s audit firm on Owner/Servicer’s Mortgage Loans, shall be at Owner/Servicer’s sole expense. 

Subservicer shall give Owner/Servicer or Owner/Servicer’s authorized representatives the opportunity, upon thirty (30) calendar
days’ written notice, to examine Subservicer’s books and records during Subservicer’s normal business hours. 
  

	Section 2.9	Insurance. 

 Subservicer will maintain in effect at all times and at its cost, a blanket
fidelity bond and an errors and omissions policy and mortgage impairment policy in a form and at coverage levels acceptable to the applicable Agency. If so requested by Investor, Subservicer shall cause certificates evidencing the existence of such
coverage to be delivered to Owner/Servicer. 
  

	Section 2.10	Advances. 

  

	 	a.	No Obligation to Fund. 

 Notwithstanding anything to the contrary in this Agreement,
Subservicer shall have no obligation to make any Servicing Advance from its corporate funds on account of any Mortgage Loan, but instead Subservicer shall be entitled to use funds available for remittance to Owner/Servicer. Subservicer shall not be
obligated to advance its funds to pay attorney fees or costs incurred on behalf of Owner/Servicer or Investor in connection with litigation related to a Mortgage Loan. 
  

	 	b.	Servicing Advances. 

 Subservicer may, from time to time during the term of this Agreement, and
for ease of administration, make Servicing Advances when in its good faith judgment it is necessary or advisable to do so, and Subservicer shall not have any obligation to notify Owner/Servicer before making any Servicing Advance. 

 

	 	c.	P&I Advances. 

 Subservicer shall have no obligation to remit any funds, nor make any
P&I Advance, to an Investor in excess of amounts actually collected by Subservicer. Subservicer shall remit such funds only upon funding by Owner/Servicer of any required remittance. 

  
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 Subservicer will notify Owner/Servicer by electronic or facsimile transmission, of the amount
that is necessary to make a required remittance or disbursement, not later than one (1) Business Day before Subservicer requires the funds. Owner/Servicer shall, at Subservicer’s direction either immediately deposit such amount into the
appropriate P&I Custodial Account or wire such amount to Subservicer. In addition, in the event Subservice anticipates a shortage in amounts available to make the required remittance or disbursement, five (5) Business Days before
Subservicer requires the funds Subservicer will notify Owner/Servicer by electronic or facsimile transmission an estimated amount of the anticipated shortage. 
  

	 	d.	Subservicer’s Option to Interim Bill and Require Funding of Anticipated Servicing Advances. 

In addition to provisions elsewhere in this Agreement, Subservicer, in its sole discretion, may at any time bill Owner/Servicer for Servicing
Advances that are then outstanding and for Servicing Advances that Subservicer anticipates Subservicer will make prior to the next month end. Any such invoice shall be payable within five (5) Business Days of Owner/Servicer’s receipt. 

 

	Section 2.11	Solicitation. 

 Subservicer shall not, without the prior written consent of
Owner/Servicer, solicit individual Mortgagors for accident, health, life, property and casualty insurance, or for any other products or services, except for products or processes that facilitate normal servicing activities, such as
“phonepay” or automatic payment plans. Only upon receipt of the prior written consent of Owner/Servicer and in accordance with Applicable Requirements, shall Subservicer be entitled to solicit individual Mortgagors for accident, health,
life, property and casualty insurance and any other products or services that Subservicer and Owner/Servicer deem appropriate. Subservicer shall retain any resulting Ancillary Income as agreed by the parties. 

 

	Section 2.12	Procedural Modifications Applicable to Interim Serviced Mortgage Loans. 

 During the
period a Mortgage Loan is serviced as an Interim Serviced Mortgage Loan, the processes and procedures employed by Subservicer shall be modified based upon the choices made by Owner/Servicer from the standard or optional Services offered by
Subservicer related to Interim Serviced Mortgage Loans. 
  

	Section 2.13	Notice that a Mortgage Loan is no Longer an Interim Serviced Mortgage Loan. 

 In the
event Subservicer subservices an Interim Serviced Mortgage Loan for a longer period than agreed by Subservicer and Owner/Servicer or Owner/Servicer notifies Subservicer that an Interim Serviced Mortgage Loan cannot continue to be serviced pursuant
to Section 2.12, such Mortgage Loan shall be administered on exception basis and on such terms as may be mutually agreed upon by the parties. 

  
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	Section 2.14	Process Changes and Other Services 

 From time to time during the term of this Agreement,
Owner/Servicer may request Subservicer to implement process changes and/or perform services in relation to the subservicing of the Mortgage Loans that are not contemplated by or included within this Agreement. The implementation of such processes or
the performance of such services shall be governed by a Statement of Work (“SOW”) as described in this Section. 
  

	 	a.	The following definitions shall apply for the purposes of this Section: 

  

	 	1.	“SOW Services” shall mean services which may include but are not limited to, consulting, custom programming, design or modification of reports, project management, implementation, and other process changes
listed on one or more SOWs executed by Owner/Servicer and Subservicer and which SOWs are incorporated into and for part of the Agreement. 

  

	 	2.	“Work Product” includes, without limitation, all designs, discoveries, creations, works, work in progress, deliverables, inventions, products, computer programs, procedures, improvements, developments,
drawings, notes, documents, business methods, information and materials made, conceived or developed by Subservicer alone or with others which result from the SOW Services. 

 

	 	b.	Owner/Servicer may from time to time initiate a request that Subservicer provide SOW Services. If Subservicer agrees to provide SOW Services, Subservicer will prepare a proposed SOW containing, without limitation:

  

	 	1.	A description of the SOW Services to be performed including all requirements, and requested deliverables; 

  

	 	2.	The estimated date for delivery of such SOW Services, if applicable; and 

  

	 	3.	The rates, prices, and estimated fees and compensation for such SOW Services, if any. 

  

	 	c.	Upon approval by Subservicer and Owner/Servicer of an SOW, Subservicer will provide Owner/Servicer with SOW Services set forth in the SOW. Subservicer will use commercially reasonable efforts to meet the estimated
delivery date set forth in the SOW. 

  

	 	d.	All such Work Product shall at all times be and remain the sole and exclusive property of Subservicer, or applicable third party engaged by Subservicer. 

 

	 	e.	In the event any express conflict or inconsistency exists between the provisions of an SOW and the provisions of this Agreement, the provisions of the SOW will control with respect to the interpretation of that SOW,
provided, however, that the provisions of the SOW will be so construed as to give effect to the applicable provisions of this Agreement to the fullest extent possible. 

  
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	 	f.	Change management process. 

 Owner/Servicer and Subservicer may at anytime agree to additions,
deletions, modification or other deviations from the SOW Services (“Changes”). All such Changes shall only be made pursuant to a written change order or other modification to the SOW. 

 

	 	g.	Invoices. 

 Subservicer will invoice Owner/Servicer for services and expenses, as provided in
the SOW and any Changes. 
  

	 	h.	Limitation of Liability. 

 The total liability of Subservicer to Owner/Servicer, for all claims
whatsoever related to an SOW or the SOW Services provided thereunder, including any cause of action sounding in contract, tort or otherwise shall be limited to the actual damages and shall not exceed the total amount of all fees paid through the
date of claim to Subservicer by Owner/Servicer under the SOW. In no event shall Subservicer be liable for consequential damages of the Owner/Servicer. 

ARTICLE III. 
 AGREEMENTS
OF OWNER/SERVICER 
  

	Section 3.1	Documentation. 

 Subservicer has provided or will provide Owner/Servicer with the Bulk
Servicing Transfer Instructions attached as Exhibit V, the Flow Servicing Transfer Instructions attached as Exhibit VI and the Interim Serviced Mortgage Loan Transfer Instructions attached as Exhibit VII. At its sole cost and expense, Owner/Servicer
shall provide Subservicer (or such entities designated by Subservicer) with: 
  

	 	a.	 By the dates indicated, documentation, data or such other information specified in the Guides, as applicable, to Subservicer or to such entities
designated by Subservicer. If the information required by Subservicer in the Guides is not timely provided, or contains missing, inaccurate or invalid data, or if the characteristics of the portfolio or any Mortgage Loan materially differ from those
Owner/Servicer offered to Subservicer to subservice hereunder, Subservicer may refuse to accept for subservicing those mortgage loans which cause the material differences in the portfolio or adjust the fees contained in Exhibit II, as agreed by
Owner/Servicer, as to all or some mortgage loans and accept the remaining Mortgage Loans for subservicing. In the event Owner/Servicer requests Subservicer to subservice mortgage loans under this Agreement that are subject to a servicing agreement
which Subservicer has not previously reviewed and approved, Owner/Servicer shall submit a copy of such servicing agreement to Subservicer for review at least thirty (30) days 

  
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prior to the requested Transfer Date. Based upon its review, Subservicer may refuse to accept such Mortgage Loans for subservicing under this Agreement or may adjust the fees set forth in Exhibit
II, as agreed by Owner/Servicer, as to such Mortgage Loans and accept the mortgage loans for subservicing. Subservicer shall furnish Owner/Servicer with written support for its denial to service, any fee adjustment and any material process or risk
differences; 

  

	 	b.	Copies of any applicable documents or records which are necessary or appropriate for Subservicer to conduct the subservicing of the Mortgage Loans, including, without limitation, those set forth in the Guides. In
addition, upon request by Subservicer, Owner/Servicer shall provide Subservicer with the original Note, original recorded Mortgage, recorded assignments, title policy and original mortgage insurance certificate or VA Mortgage Loan guaranty
certificate, if necessary to complete a satisfaction or foreclosure action of a Mortgage Loan, or for any other purpose if required by Subservicer to properly administer and service the Mortgage Loan. Owner/Servicer acknowledges and agrees that
unless delivered to Subservicer, Subservicer is not responsible for safeguarding any original Mortgage Loan documents; 

  

	 	c.	Reasonably complete and reasonably accurate electronic data and documentation for each Mortgage Loan submitted hereunder to sufficiently enable Subservicer to place and continue to subservice the Mortgage Loan on its
computer system; 

  

	 	d.	Prior to the release of notices to the Mortgagor set forth in Section 3.4 of this Agreement, a complete listing of any Mortgage Loans where the mortgage payment is inclusive of an optional insurance premium. This
list will also provide the name of the insurance company; type of insurance coverage; premium amount; and the name and telephone number of the individual at Owner/Servicer’s firm or affiliation knowledgeable as to such coverage;

  

	 	e.	Adequate electronic evidence that a hazard insurance policy is in force for each Mortgage Loan delivered to Subservicer for subservicing and all notices regarding the various hazard insurance policies. Further,
Owner/Servicer agrees to hold Subservicer harmless from any losses or Damages caused by insufficient evidence of hazard insurance coverage delivered to Subservicer or any losses or Damages which occurred during a lapsed policy prior to delivery of
the Mortgage Loans to Subservicer for subservicing; 

  

	 	f.	 With respect to all closed end, first lien Mortgage Loans, Owner/Servicer shall, at Owner/Servicer’s sole cost and expense, transfer any existing
tax service contracts to Subservicer and provide Subservicer with an electronic file identifying (A) tax type, payment frequency, payee code, tax amount last paid, next due date, parcel number, legal description, previous servicer’s name,
and (B) each Tax Service Contract, if any, by contract number. If a Tax Service Contract is not in existence or such tax service contract is not guaranteed or transferable to Subservicer, Subservicer shall obtain a tax

  
 19 

	 	
service contract for such Mortgage Loans on behalf of Owner/Servicer. For each Tax Service Contract obtained by Subservicer Owner/Servicer shall pay Subservicer a fee set forth on Exhibit II
and/or III of this Agreement; 

  

	 	g.	Life-of-loan flood certification contract from an issuer acceptable to Subservicer. If a Mortgage Loan is covered by a transferable life-of-loan real estate flood certification contract, Owner/Servicer shall promptly
transfer, or cause to be transferred, such contract to Subservicer; 

  

	 	h.	To the extent necessary to comply with Applicable Requirements, and only upon the prior specific written request from Subservicer for each such document, copies of most recent FNMA, FHLMC, FHA, GNMA, HUD claims, VA and
third party audits related to mortgage loans for review; 

  

	 	i.	Copies of most recent audited financial statements, and annual financial statements thereafter within ninety (90) days of year-end, throughout the term of this Agreement; 

 

	 	j.	The name and address of all document custodians. All costs and expenses of said document custodians (including, without limitation, those resulting from a change of document custodian) shall be the responsibility of
Owner/Servicer; and 

  

	 	k.	Funds in an amount necessary to properly fund the Mortgagors’ escrow accounts. 

  

	Section 3.2	Pay-off of Mortgage Loan. 

 Upon pay-off of a Mortgage Loan, Subservicer will request the
Mortgage Loan documents from the custodian, Investor, or Owner/Servicer, as the case may be, and upon receipt of same will prepare the appropriate discharge/satisfaction documents. If Owner/Servicer has provided Subservicer with a Corporate
Resolution delegating authority to Subservicer or Subservicer’s agent to execute such discharge/satisfaction documents on behalf of Owner/Servicer, Owner/Servicer and Subservicer may agree on procedures which would allow Subservicer to execute
such discharge/satisfactions on behalf of Owner/Servicer. Otherwise Subservicer will forward the documents to Owner/Servicer, who shall execute and return such discharge/satisfaction document to Subservicer in a timely manner that permits the
recording thereof in accordance with Applicable Requirements. In lieu of returning such documents to Subservicer, Owner/Servicer may process the discharge/satisfaction of the Mortgage. In the event that Owner/Servicer does not return such documents
to Subservicer in a timely manner, Subservicer assumes no liability for any penalty that may be imposed for failure to discharge or cancel the Mortgage in accordance with any Applicable Requirement and in such case Owner/Servicer shall reimburse
Subservicer for any fee, expense or penalty that Subservicer may incur in connection with any such discharge, cancellation, or satisfaction as a result of Owner/Servicer’s or Investor’s failure to deliver necessary documents timely as
specified herein. 

  
 20 

	Section 3.3	Further Notification. 

 Owner/Servicer shall provide Subservicer, upon delivery of each
Mortgage Loan submitted for subservicing, with specific information required in the Guides regarding Investor of such Mortgage Loan. If a Mortgage Loan delivered to Subservicer is later sold, with servicing retained by Owner/Servicer, Owner/Servicer
will promptly notify Subservicer of the sale by telephone and will deliver a written copy of the new Investor’s purchase advice or funding detail report by facsimile, e-mail or overnight mail immediately thereafter. Subservicer will then
reflect the new Investor in its records, however, any penalty for late reporting, remittances, etc. imposed by such new Investor which is due to a delay by Owner/Servicer in notifying Subservicer of the purchase of the Mortgage Loan(s), shall be the
responsibility of Owner/Servicer. 
 During the term of this Agreement, Owner/Servicer shall provide Subservicer with all notices,
correspondence, subpoenas, summonses and other items immediately upon receipt of same by Owner/Servicer that relate to the Mortgage Loans. Subservicer shall not be responsible for any losses, Damages, costs or penalties incurred by Owner/Servicer,
Investor or third parties for the failure of Owner/Servicer to provide Subservicer with such documents as required. 
  

	Section 3.4	Notices. 

 By no later than thirty (30) days prior to the scheduled Initial Transfer
Date and the any subsequent date scheduled to be the date of a Bulk Servicing Transfer, Owner/Servicer shall deliver or cause to be delivered to Subservicer for approval a joint form or joint forms of a Mortgagor notification letter in connection
with the transfer of subservicing responsibilities for the related Mortgage Loans by Subservicer. Not less than fifteen (15) days prior to the scheduled Transfer Date or such later date as permitted by Applicable Requirements, Owner/Servicer
shall mail, or cause to be mailed, the approved form of notification to the Mortgagors of the transfer of the servicing responsibilities for the related Mortgage Loans. The expense of the preparation, printing and mailing of such notices shall be
borne by Owner/Servicer. Owner/Servicer also shall, at its expense, notify and instruct or cause to be notified and instructed the applicable tax service provider with regard to the Mortgage Loans, the custodian of the Mortgage Loan files, and all
insurers to deliver all tax bills, payments, notices and insurance statements, as applicable, to Subservicer on and after the applicable Transfer Date. 
  

	Section 3.5	Instructions to Subservicer. 

 Owner/Servicer shall provide instructions to Subservicer
in accordance with Section 2.4(d) hereof regarding the processing of requests for partial releases, easements, substitutions, division, subordination, alterations, or waivers of security instrument terms. 

 

	Section 3.6	Corporate Resolution. 

 Owner/Servicer shall furnish Subservicer with a fully executed
Corporate Resolution and other documents necessary or appropriate to enable Subservicer to carry out its subservicing and administrative duties under this Agreement. 

  
 21 

 ARTICLE IV. 

COMPENSATION 
  

	Section 4.1	Subservicing Fee. 

 As consideration for subservicing the Mortgage Loans, Subservicer
shall be paid (i) the fees in accordance with Exhibits II and III and (ii) Service Rendered Ancillary Fees. Those Subservicer’s fees so indicated on Exhibits II and III shall be adjusted annually on the anniversary of the Initial Transfer
Date. Such adjustments shall not exceed the increase in the U.S. Department of Labor, Bureau of Labor Statistics, Consumer Price Index, U.S. City Average, for all Urban Consumers, other goods and services (‘82 - ‘84 = 100) (the “CPI-U
Index”) between the annual averages of the most recently published twelve (12) month period and the immediately preceding twelve (12) month period. Subservicer shall submit to Owner/Servicer an invoice setting forth servicing fees and
other amounts due Owner/Servicer (including those amounts due Owner/Servicer as an Investor) and subtracting therefrom subservicing fees, Exit Fees (if appropriate), fees for optional services, any Late Charges and Ancillary Income due Subservicer
and any guaranty fees remitted by Subservicer. In addition, the invoice will reflect the net change in month over month cumulative Servicing Advances. Subservicer will either charge Owner/Servicer for an increase or credit Owner/Servicer for a
decrease in such balances. 
 Upon execution of this Agreement Owner/Servicer shall pay Subservicer the Private Label setup charge, the New
Loan Interface built by Cenlar fee and other setup charges set forth on Exhibit II. 
 Subservicer shall be entitled to its monthly fees as
set forth on Exhibits II and III for each Mortgage Loan that it subserviced for a given month based upon the beginning of month Mortgage Loan count and status, except that Subservicer shall be entitled to the applicable monthly fee for each Mortgage
Loan subserviced during the month in which the related Transfer Date occurred and for each Interim Serviced Mortgage Loan subserviced during such month. 

Following three (3) months after the Initial Transfer Date, in no event shall the total base subservicing fees for all Mortgage Loans for
a given month be less than three thousand dollars ($3,000). In the three months after the Initial Transfer Date, the Parties agree that Subservicer shall not require any minimum subservicing fees from Owner/Servicer. 

Subservicer shall be paid those fees set forth in Exhibit II for engaging in Loss Mitigation and be reimbursed for all Servicing Advances
related thereto. For the purpose of this Agreement: 
  

	 	(1)	a Decisioning Fee shall be earned when Subservicer has engaged in Loss Mitigation and made a recommendation to Owner/Servicer or Investor or a decision, if so authorized, to offer or decline relief other than
foreclosure to the affected Mortgagor and 

  

	 	(2)	a Disposition Fee shall be earned upon execution of a loan modification or written (formal) repayment plan by the Mortgagor or the receipt of funds by Subservicer of funds representing an approved short sale or receipt
of documents representing completion of a deed-in-lieu of foreclosure or an approved assumption of a defaulted Mortgage Loan. 

  
 22 

 Owner/Servicer, and not Subservicer, shall be entitled to all amounts paid or allowed from time
to time by the FNMA, FHLMC, HUD, FHA, VA, private mortgage insurer and any Investor as applicable, for engaging in Loss Mitigation either directly or through Subservicer. 

Owner/Servicer shall remit to Subservicer in accordance with Section 4.2 the amounts billed by Subservicer for fees, expenses and
Servicing Advances associated with services which are proper under this Agreement, including, without limitation, services performed in connection with the foreclosure of mortgages, property maintenance and improvement, property management, the sale
of any REO, and similar extraordinary expenses, which shall be contracted or performed by Subservicer at its customary, reasonable costs for such services, and all other amounts due Subservicer hereunder. 

 

	Section 4.2	Due Date of Payments. 

 Unless otherwise stated herein, all fees, payments, charges,
expenses, Servicing Advances and any other sums payable to Subservicer by Owner/Servicer hereunder, shall be due and payable within five (5) Business Days from the date Owner/Servicer’s receipt of Subservicer’s invoice. Thereafter,
all sums shall be subject to a finance charge at an annual rate of four hundred basis points (400 BP) over the three month LIBOR as published in The Wall Street Journal on the first Business Day of the month in the billing period. 

 

	Section 4.3	Default and Right of Offset. 

 In the event Owner/Servicer shall fail to pay to
Subservicer any sums due and payable to Subservicer under this Agreement when and as the same shall be due and payable, whether as compensation, reimbursement, or otherwise, or if Owner/Servicer is in default hereunder in any other respect,
Subservicer shall be entitled to adjust amounts due Owner/Servicer in set-off of the amount of any sum so owing and unpaid. This provision shall not impair Subservicer’s right to be paid or reimbursed as provided herein or to exercise all other
remedies permitted by law. 
 ARTICLE V. 

TERM AND TERMINATION 
  

	Section 5.1	Term and Notice. 

 The term of this Agreement shall commence upon the Contract Date and
end at twelve o’clock (12:00) midnight eastern time on a date that is the last Business Day of the month that is three (3) years following the Initial Transfer Date (the “Expiration Date”), except that if neither party shall
terminate this Agreement by not less than one hundred twenty (120) days prior the Expiration Date written notice to the other prior to the expiration of the initial term, this Agreement shall renew itself and exist and continue for successive
terms of three (3) years each until terminated by such notice. 

  
 23 

	Section 5.2	Termination without Cause 

 At any time during this Agreement, Owner/Servicer may,
without cause, and on ninety (90) days prior written notice to Subservicer, terminate this Agreement as to any or all Mortgage Loans then being subserviced, however in the event Subservicer receives less than ninety (90) days notice with
respect to a termination of three hundred (300) or more Mortgage Loans, Subservicer shall be entitled to a subservicing fee through the month ending ninety (90) days from the date of Subservicer’s receipt of the notice of termination.
Upon expiration or termination of this Agreement by Owner/Servicer without cause as to any or all Mortgage Loans, Owner/Servicer shall pay Subservicer an Exit Fee in accordance with the schedule contained in Exhibit II and. With respect to any given
termination, Subservicer will cooperate with Owner/Servicer, but shall be under no obligation to meet a transfer schedule requested by Owner/Servicer, where Subservicer has received less than ninety (90) days notice of termination. The term for
determining the Exit Fee applicable to each such Mortgage Loan begins on the first of the month of the Transfer Date for that Mortgage Loan. 

In the case of an Interim Serviced Mortgage Loan upon receipt of three (3) Business Days prior notice from Owner/Servicer via the agreed
upon automated method, Subservicer shall undertake all steps necessary to transfer the servicing of an Interim Serviced Mortgage Loan to any successor servicer designated by Owner/Servicer, except that Subservicer shall not prepare any assignment of
Mortgage necessary to effect transfer of ownership of any Interim Serviced Mortgage Loan that is serviced-released pursuant to this Section. 

At any time during the term(s) hereof, Subservicer may, without cause, by one hundred eighty (180) days prior written notice to
Owner/Servicer, terminate this Agreement as to any or all Mortgage Loans then being subserviced, without the need for the payment of any Exit Fees by Owner/Servicer. 

Notwithstanding anything to the contrary elsewhere in this Agreement, an Exit Fee shall not be payable upon a payoff of a Mortgage Loan by a
Mortgagor, or removal of a Mortgage Loan from Subservicer’s subservicing system upon assignment to HUD or private mortgage insurer, completion of a foreclosure action or other acquisition of title to a REO. 

 

	Section 5.3	Termination with Cause. 

 In the event of a party’s material default in performance
of this Agreement, which default is curable by the defaulting party, the defaulting party shall have thirty (30) days to cure such default after written notification is delivered by the non-defaulting party to the defaulting party. If the
default is either not cured within the thirty (30) day period, or is a default of such a type as to be incapable of being cured, the non-defaulting party may terminate this Agreement upon five (5) days notice, and require the immediate
transfer of all Mortgage Loans and related documents and other data and information related to the Mortgage Loans. 

  
 24 

 A party additionally shall be in default hereunder if, at any time during the term of this
Agreement, such party (i) has its rights to service for FHLMC, FNMA or GNMA suspended, (ii) is declared to be in default of its agreements with FHLMC, FNMA or GNMA or loses any other permits or licenses necessary to carry out its
responsibilities under this Agreement, or (iii) becomes insolvent, files for bankruptcy, or is placed under conservatorship or receivership. Upon occurrence of any of the foregoing events, the non- defaulting party may immediately terminate
this Agreement for cause, without any further liability to the non-defaulting party, except for amounts due a party prior to termination. 

In addition to all other amounts due hereunder, the non-defaulting party shall be entitled to all costs of collection and all costs related to
the transfer of the Mortgage Loan documents and other data and information related to the Mortgage Loans. In addition, if Subservicer is the non-defaulting party, Subservicer shall be entitled to the payment of Exit Fees in accordance with Exhibit
II hereof. 
 Should actions or failure to act of Owner/Servicer result in a failure to complete the transfer of the Mortgage Loans
identified on Exhibit I to Subservicer for subservicing within one hundred twenty (120) days of the Contract Date, Subservicer, in its sole discretion may terminate this Agreement upon written notice to Owner/Servicer. Owner/Servicer shall
thereupon pay to Subservicer, Subservicer’s expenses incurred in the design and implementation of plans to permit conversion of the Mortgage Loans onto Subservicer’s servicing systems. For the purposes of this Section, expenses shall
include: third party costs incurred by Subservicer, and Subservicer’s internal and staffing costs and expenses. 
 The rights of
termination, as provided herein, are in addition to all other available rights and remedies, including the right to recover Damages in respect of any breach. 
  

	Section 5.4	Reimbursement upon Expiration or Termination. 

 Upon expiration or termination of this
Agreement as to any or all Mortgage Loans, Owner/Servicer shall reimburse Subservicer for all costs reasonably incurred in connection with the expiration or termination of subservicing and return of documents and other information regarding the
Mortgage Loans then subserviced to Owner/Servicer, Owner/Servicer’s designee, or Investor or Investor’s designee. These costs include, but are not limited to, third party costs incurred by Subservicer, and internal and staffing costs of
Subservicer directly attributable to the return of the documents and other information regarding the Mortgage Loans. In addition, in the event Investor terminates subservicing of any Mortgage Loans, Owner/Servicer shall, with respect to the Mortgage
Loans, (i) reimburse Subservicer for Subservicer’s actual expenses and any Servicing Advances made on behalf of Owner/Servicer in accordance with the terms of this Agreement, and (ii) pay for all other amounts due Subservicer
hereunder. 
  

	Section 5.5	Accounting/Records. 

 Upon expiration or termination of this Agreement, Subservicer will
cease all subservicing activities and account for and turn over to Owner/Servicer, 

  
 25 

 
Owner/Servicer’s designee, or Investor or Investor’s designee, as applicable, all funds collected hereunder, less the compensation and other amounts then due Subservicer, and deliver to
Owner/Servicer, Owner/Servicer’s designee, Investor or Investor’s designee, as applicable, all records and documents relating to each Mortgage Loan then subserviced and will advise Mortgagors that their mortgages will henceforth be
serviced by Owner/Servicer, Owner/Servicer’s designee, Investor or Investor’s designee. 
 ARTICLE VI. 

REPRESENTATIONS, WARRANTIES AND COVENANTS OF OWNER/SERVICER 

As of the Contract Date and each Transfer Date, Owner/Servicer warrants and represents to, and covenants and agrees with Subservicer as
follows: 
  

	Section 6.1	Cooperation and Assistance. 

 To the extent necessary, Owner/Servicer shall cooperate
with and assist Subservicer as requested by Subservicer, in carrying out Subservicer’s covenants, agreements, duties and responsibilities under this Agreement and in connection therewith shall execute and deliver all such papers, documents and
instruments, including but not limited to servicing agreements, if any, as may be necessary and appropriate in furtherance thereof. 
  

	Section 6.2	Notice of Breach. 

 Owner/Servicer shall promptly notify Subservicer of any failure or
anticipated failure on its part to observe and perform any warranty, representation, covenant or agreement required to be observed or performed by it under this Agreement. 
  

	Section 6.3	Taxes. 

 For each Mortgage Loan transferred to Subservicer, real estate taxes due within
thirty (30) days following each respective Transfer Date shall have been paid by or on behalf of Owner/Servicer prior to delivery of subservicing to Subservicer. Owner/Servicer will indemnify and hold Subservicer harmless from any tax penalties
and interest that arose or accrued prior to thirty (30) days following the Transfer Date, and as set forth in Section 2.3(f) hereof. 
  

	Section 6.4	Agency Approvals. 

 If required by Applicable Requirements, Owner/Servicer is or will use
commercially reasonable efforts to become an approved servicer for, and in good standing with FHLMC, FNMA, GNMA, HUD, VA, or other Investors and shall maintain such required approvals and standing throughout the term of this Agreement. 

 

	Section 6.5	Prior Servicing. 

 Each Mortgage Loan has been serviced in accordance with all Applicable
Requirements at all times prior to the Transfer Date. 
  

	Section 6.6	Authority. 

 Owner/Servicer is a duly organized and validly existing corporation in good
standing under the laws of its jurisdiction of organization or formation and has all 

  
 26 

 
requisite power and authority to enter into this Agreement and the persons executing this Agreement on behalf of Owner/Servicer are duly authorized to do so. Owner/Servicer has all licenses
necessary to carry on its business as now being conducted and is duly authorized and qualified to transact, in each state where a Mortgaged Property is located, any and all business contemplated by this Agreement or is otherwise exempt under
Applicable Requirements from such qualification or is otherwise not required under Applicable Requirements to effect such qualification. 
  

	Section 6.7	Predatory Lending Regulations; High Cost Loans. 

 None of the Mortgage Loans are
classified as (i) “high cost” loans under the Home Ownership and Equity Protection Act of 1994 or (ii) “high cost”, “threshold”, “covered” or “predatory” loans under any other applicable
state, federal or local law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees. 

 

	Section 6.8	Litigation. 

 There is no action, suit, proceeding or investigation pending or, to
Owner/Servicer’s knowledge, threatened against Owner/Servicer which, either in any one instance or in the aggregate, would draw into question the validity of this Agreement or the Mortgage Loans or of any action taken or to be contemplated
herein, or which would be likely to impair materially the ability of Owner/Servicer to perform under the terms of this Agreement. 
  

	Section 6.9	Ownership. 

 Owner/Servicer is the sole owner of the servicing rights related to the
Mortgage Loans. 
  

	Section 6.10	Accuracy of Information. 

 The documents, and the computer files, data disks, books,
records, data tapes, notes pertaining to a particular Mortgage Loan provided to Subservicer by or on behalf of Owner/Servicer contain all documents, instruments and information necessary to service the Mortgage Loans in accordance with the
Applicable Requirements, the Note and the Mortgage and are true and accurate in all material respects and may be relied upon by Subservicer in connection with the servicing of the Mortgage Loans. The data fields relating to prepayment penalties
attached hereto are complete, true and accurate and can be relied on by Subservicer in the calculation of prepayment penalties. Subservicer shall have no liability to Owner/Servicer for any loss resulting from calculation of prepayment penalties
using the data provided to Subservicer. 

  
 27 

 ARTICLE VII. 

REPRESENTATIONS, WARRANTIES AND COVENANTS OF SUBSERVICER 

As of the Contract Date and each Transfer Date, subject to the provisions of Article VIII herein, Subservicer warrants and represents to, and
covenants and agrees with, Owner/Servicer as follows: 
  

	Section 7.1	Notice of Breach. 

 Subservicer shall promptly notify Owner/Servicer of any failure or
anticipated failure on its part to observe and perform any warranty, representation, covenant or agreement required to be observed and performed by it as a subservicer. 
  

	Section 7.2	Agency Approvals. 

 Subservicer is an approved servicer for FHLMC, FNMA, GNMA, HUD and
VA, and shall maintain such approvals throughout the term of this Agreement. 
  

	Section 7.3	Authority. 

 Subservicer is a duly organized and validly existing federal savings bank in
good standing under the laws of the United States of America and has all requisite power and authority to enter into this Agreement and the persons executing this Agreement on behalf of Subservicer are duly authorized so to do. Subservicer has all
licenses necessary to carry on its business as now being conducted and is duly authorized and qualified to transact, in each state where a Mortgaged Property is located, any and all business contemplated by this Agreement or is otherwise exempt
under Applicable Requirements from such qualification or is otherwise not required under Applicable Requirements to effect such qualification. 
  

	Section 7.4	Litigation. 

 There is no action, suit, proceeding or investigation pending or, to
Subservicer’s knowledge, threatened against Subservicer which, either in any one instance or in the aggregate, would draw into question the validity of this Agreement or the Mortgage Loans or of any action taken or to be contemplated herein, or
which would be likely to impair materially the ability of Subservicer to perform under the terms of this Agreement. 
 ARTICLE VIII.

 INDEPENDENCE OF PARTIES; INDEMNIFICATION; SURVIVAL 
  

	Section 8.1	Independence of Parties. 

 The following terms shall govern the relationship between
Owner/Servicer and Subservicer: 
  

	 	a.	Subservicer shall have the status of, and act as, an independent contractor. Nothing herein contained shall be construed to create a partnership, joint venture or fiduciary relationship between Owner/Servicer and
Subservicer; 

  

	 	b.	Subservicer shall not be responsible for any representations, warranties or contractual obligations in connection with (1) the sale to or by FHLMC, FNMA, GNMA or private Investors of any of the Mortgage Loans, or
(2) the servicing or subservicing of any Mortgage Loan prior to the Transfer Date of subservicing of a Mortgage Loan to Subservicer pursuant to this Agreement; 

 

	 	c.	Anything herein contained in this Article VIII or elsewhere in this Agreement to the contrary notwithstanding, the representations and warranties of Subservicer contained in this Agreement shall not be construed as a
warranty or guarantee by Subservicer as to future payments by any Mortgagor; 

  
 28 

	 	d.	Anything herein contained in this Article VIII or elsewhere in this Agreement to the contrary notwithstanding, Subservicer shall not be responsible for the performance under, or compliance with, any Mortgage Loan
repurchase agreements, indemnifications, representations or warranties of an origination nature, or those servicing representations and warranties directly or indirectly related to the origination process made between Owner/Servicer and any
Investor, either prior or subsequent to this Agreement, and 

  

	 	e.	Subservicer shall not be liable to Owner/Servicer for any action taken, or for refraining from the taking of any action, in good faith pursuant to this Agreement or for errors in judgment; provided, however, that this
provision shall not protect Subservicer against any breach of its representations or warranties made herein or against any liability which would otherwise be imposed on Subservicer by reason of Subservicer’s willful misfeasance, bad faith,
fraud, or gross negligence in the performance of its duties hereunder or by reason of its negligent disregard of its obligations or duties hereunder. Subservicer may rely in good faith on any document of any kind which, prima facie, is properly
executed and submitted by any appropriate person respecting any matters arising hereunder. 

  

	Section 8.2	Indemnification by Subservicer. 

 Except as otherwise stated herein, Subservicer shall
indemnify and hold Owner/Servicer harmless from any liabilities, claims, losses or Damages, including reasonable attorneys’ fees, directly or indirectly resulting from or arising out of Subservicer’s failure to observe or perform any or
all of Subservicer’s covenants, agreements, warranties or representations contained in this Agreement. Except for matters with regard to which Subservicer must indemnify Owner/Servicer pursuant to this Agreement or costs or expenses that
Subservicer must bear hereunder, in no event shall Subservicer be liable for losses, costs, expenses, Damages or claims (including attorneys’ fees) incurred by Owner/Servicer in connection with the Mortgage Loans serviced hereunder, including
without limitation losses, costs, expenses, Damages or claims (including attorneys’ fees) incurred by Owner/Servicer in connection with the default or foreclosure of such Mortgage Loan. 

 

	Section 8.3	Indemnification by Owner/Servicer. 

 Except as otherwise stated herein, Owner/Servicer
shall indemnify and hold Subservicer harmless against any loss, liability, forfeiture or expense, including without limitation carrying costs, investigation costs, fines, penalties and attorneys’ fees and expenses, including, without
limitation, the costs and expense of curing any breaches of Owner/Servicer’s representations and warranties relating to the Mortgage Loans (collectively, the “Liabilities”), suffered or incurred by Subservicer arising out of,
directly or indirectly resulting from or relating to: 
  

	 	a.	Owner/Servicer’s willful misfeasance, bad faith, fraud, gross negligence, or reckless disregard of its obligations hereunder; 

  
 29 

	 	b.	any material misrepresentation made by Owner/Servicer in this Agreement; 

  

	 	c.	any material breach by Owner/Servicer of a representation, warranty or covenant of Owner/Servicer contained in this Agreement; 

  

	 	d.	errors and omissions in the processing, origination or servicing of any Mortgage Loan prior to the applicable Transfer Date; 

  

	 	e.	compliance by Subservicer with instructions or requirements of Owner/Servicer in connection with this Agreement; and 

  

	 	f.	any claim, litigation or proceeding to which Subservicer is made a party as a result of its acting as, or status as, Subservicer of a Mortgage Loan, other than any such claim, litigation or proceeding (i) which is
based on a misrepresentation, breach or error or omission on the part of Subservicer and (ii) with respect to which Subservicer must indemnify Owner/Servicer pursuant to this Agreement. 

 

	Section 8.4	Privacy. 

 Subservicer shall comply with all Applicable Requirements designed to secure
the financial privacy of Mortgagors. Subservicer and Owner/Servicer agree not to disclose or otherwise share Nonpublic personal information with a Nonaffiliated third party except in compliance with Applicable Requirements. The parties
acknowledge that the Customer relationship with the Mortgagor remains with Owner/Servicer as owner of the servicing rights related to the Mortgage Loan. Owner/Servicer will provide all privacy disclosures or notices to the Mortgagors as
required by Applicable Requirements. The parties agree to provide each other on a timely basis with Mortgagor requests that Nonpublic personal information not be shared. Subservicer acknowledges the ongoing responsibility it has to comply
with Applicable Requirements governing the privacy and security of Mortgagor Nonpublic personal information, including but not limited to, the Gramm-Leach-Bliley Act and regulations issued pursuant thereto (12 CFR Part 570, App B - Interagency
Guidelines Establishing Information Security Standards) and Subservicer will implement and maintain an Information Security Program as required by such regulations. As used in this section, the italicized terms shall have the meanings
ascribed therefor in 12 CFR 573.3. 
  

	Section 8.5	Survival. 

 The indemnifications, representations and warranties set forth herein shall
survive termination of this Agreement. 

  
 30 

 ARTICLE IX. 

MISCELLANEOUS 
  

	Section 9.1	Changes in Practices. 

 The parties hereto acknowledge that the standard practices and
procedures of the mortgage servicing industry change or may change over a period of time. Material changes in practices or procedures may increase the cost of subservicing beyond that contemplated by the parties at the time of this Agreement. For
the purposes of this paragraph, a change in practice or procedure is deemed to be material if such change is required to comply with changes in Applicable Requirements and/or Investor requirements and such compliance by Subservicer is substantially
more burdensome and costly to Subservicer. To accommodate these changes, Subservicer may, from time to time, notify Owner/Servicer of such material changes in practices and procedures and proposed changes in the subservicing fee to reflect such
material changes. It is understood that prior to imposing any increased subservicing fee, Subservicer must reasonably demonstrate to Owner/Servicer that the increase in the subservicing fee is directly related to Subservicer’s additional costs
in implementing the change in policy or procedure and that the increase is in keeping with those other servicers throughout the mortgage servicing industry and is not unique to Subservicer. Should any such proposed change in the subservicing fee
made in good faith by Subservicer nevertheless be unacceptable to Owner/Servicer, and should Owner/Servicer and Subservicer fail to agree on an increase in the subservicing fee that would be acceptable to both parties, then such subservicing fee
shall remain unchanged. Subservicer shall thereafter have the option (i) to continue to subservice the Mortgage Loans already being subserviced and all future Mortgage Loans at the existing subservicing fee under the terms of this Agreement,
(ii) continue to subservice the Mortgage Loans already being subserviced at the existing subservicing fee and provide ninety (90) days advance written notice to Owner/Servicer that Subservicer will not thereafter accept any additional
Mortgage Loans for subservicing under the terms of this Agreement, however Subservicer shall charge the then existing subservicing fees during the initial sixty (60) days following notice and the increased subservicing fees thereafter or
(iii) terminate this Agreement without cause upon one hundred twenty (120) days advance written notice to Owner/Servicer. 
  

	Section 9.2	Assignment. 

 This Agreement may be assigned only with the written consent of both
Owner/Servicer and Subservicer. The sale of all or substantially all of the stock or assets of Owner/Servicer or Subservicer, or the transfer of a controlling interest in Owner/Servicer or Subservicer, shall not be deemed an assignment of this
Agreement for purposes of this Section. 
  

	Section 9.3	Prior Agreements. 

 If any provision of this Agreement is inconsistent with any prior
agreements between the parties, oral or written, with respect to the Mortgage Loans, the terms of this Agreement shall prevail, and after the Contract Date of this Agreement, the relationship and agreements between Owner/Servicer and Subservicer
with respect to the Mortgage Loans shall be governed in accordance with the terms of this Agreement. 

  
 31 

	Section 9.4	Entire Agreement. 

 This Agreement contains the entire agreement between the parties
hereto and cannot be modified in any respect except by an amendment in writing signed by both parties. 
  

	Section 9.5	Invalidity. 

 The invalidity of any portion of this Agreement shall in no way affect the
remaining portions hereof. 
  

	Section 9.6	Effect. 

 Except as otherwise stated herein, this Agreement shall remain in effect until
Owner/Servicer’s interest in all of the Mortgage Loans, including the underlying security, are liquidated completely, unless sooner terminated pursuant to the terms hereof. 

 

	Section 9.7	Applicable Law. 

 This Agreement shall be construed in accordance with the laws of the
State of New Jersey and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with the laws of the State of New Jersey applicable to agreements made and to be performed therein, except to the extent
preempted by federal law. 
  

	Section 9.8	Notices. 

 All notices, requests, demands and other communications which are required or
permitted to be given under this Agreement shall be in writing and shall be deemed to have been duly given upon the delivery or mailing thereof, as the case may be, sent, postage prepaid, by registered or certified mail, return receipt requested or
by a nationally recognized overnight courier service to the attention of the person named at the address set forth on the signature page hereof. 
  

	Section 9.9	Waivers. 

 Either Owner/Servicer or Subservicer may, upon written consent and notice to
the other: 
  

	 	a.	Waive compliance with any of the terms, conditions or covenants required to be complied with by the other hereunder; and 

  

	 	b.	Waive or modify performance of any of the obligations of the other hereunder. 

 The waiver by
either party hereto of a breach of any provision of this Agreement shall not operate or be construed as a waiver of any other subsequent breach. 
  

	Section 9.10	Binding Effect. 

 This Agreement shall inure to the benefit of and be binding upon the
parties hereto and their successors and permitted assigns. 

  
 32 

	Section 9.11	Headings. 

 Headings of the Articles and Sections in this Agreement are for reference
purposes only and shall not be deemed to have any substantive effect. 
  

	Section 9.12	Force Majeure. 

 Each party will be excused from performance under this Agreement, except
for any payment obligations for services that have been or are being performed hereunder, for any period and to the extent that it is prevented from performing, in whole or in part, as a result of delays caused by the other party or any act of God,
war, civil disturbance, court order, labor dispute, third party nonperformance or other cause beyond its reasonable control, including failure, fluctuations or nonavailability of heat, light, air conditioning or telecommunications equipment. A party
excused from performance pursuant to this Section shall exercise reasonable efforts to continue to perform its obligations hereunder and shall thereafter continue with reasonable due diligence and good faith to remedy its inability to so perform,
except that nothing herein shall obligate either party to settle a strike or labor dispute when it does not wish to do so. Such nonperformance will not be a default or a ground for termination as long as the party uses commercially reasonable
efforts to expeditiously remedy the problem causing such nonperformance and to execute its disaster recovery plan then in existence. 
  

	Section 9.13	Non-Solicitation of Employees. 

 Owner/Servicer and Subservicer agree that neither party
will solicit the services of any employee of the other party during the term or any extensions of this Agreement, without first obtaining the written consent of the other party. Notwithstanding the foregoing, Owner/Servicer and Subservicer
understand and agree that the following shall not constitute solicitation under this Section: (i) employment solicitations directed to the general public at large, including without limitation newspaper, radio and television advertisements, and
(ii) an employment solicitation directed by a party to an employee of the other party, and any related communication, that occurs after a communication regarding employment that was initiated by the employee. 

 

	Section 9.14	Confidentiality. 

 Neither party may disclose any of the terms of this Agreement or any
Proprietary Information to anyone else except: 
  

	 	a.	to its officers, directors, employees, consultants, advisors, attorneys and accountants to the extent required to enable them to perform their duties to that party; or 

 

	 	b.	as required by Applicable Requirements, or 

  

	 	c.	subject to the terms of a confidentiality agreement, to a bona fide prospective acquirer of all or substantially all of the business and assets of a party as part of such prospective acquirer’s due
diligence; or 

  

	 	d.	in any legal, regulatory, equitable or arbitration proceeding involving this Agreement. 

  
 33 

 Each party will cause its officers, directors, employees, consultants, advisors, attorneys and
accountants to abide by the requirements of the foregoing provisions. 
 Before making any disclosure of this Agreement or any of its terms
under item b. or d. above, the party planning to make the disclosure will notify the other party of the intended disclosee and of the reason for the disclosure. 

For purposes of this Agreement, the party receiving Proprietary Information is referred to herein as “Recipient”, the party
disclosing Proprietary Information is referred to herein as “Discloser” and “Proprietary Information” of a party shall mean: (i) information disclosed by such party relating to product development strategy and activity,
marketing strategy, corporate assessments and strategic plans, pricing, financial and statistical information, accounting information, identity of suppliers, software, systems, processes, formulae, inventions, discoveries, policies, guidelines,
procedures, practices, disputes or litigation, (ii) confidential, proprietary or trade secret information orally disclosed by such party and identified as such on the date of its first disclosure, with a written summary thereof provided to
Recipient within thirty (30) days of disclosure, (iii) confidential, proprietary or trade secret information disclosed by such party that is clearly and conspicuously identified in writing as such at the time of its first disclosure,
(iv) confidential, proprietary or trade secret information disclosed by such party, which a reasonable person would recognize as such, (v) information disclosed by such party relating to employees, contractors or customers which, if
released, would cause an unlawful invasion of privacy, including, but not limited to (A) “NonPublic Personal Information” as defined by Title V of the Gramm-Leach-Bliley Act (Public Law No. 106-102) and the regulations
promulgated pursuant thereto which are applicable to a Discloser with regard to the customers and consumers of a Discloser and (B) “Consumer Information,” as defined by the Fair and Accurate Credit Transactions Act of 2003 (Public Law
No. 108-159) and the regulations promulgated pursuant thereto, together with any other nonpublic personal information and identifying information of or about consumers, applicants, clients or customers protected under applicable state and local
law, and (vi) any compilation or summary of information or data that contains or is based on Proprietary Information. For purposes of this Agreement, and without limiting the generality of the foregoing, the parties acknowledge and agree that
(A) all Proprietary Information disclosed by a party shall be deemed to be the Proprietary Information of such party, including, but not limited to, third-party confidential, proprietary or trade secret information that such party is obligated
to protect, and (B) information shall be deemed to be disclosed by a party if such information is disclosed by any of its partners, affiliates, officers, employees, directors, contractors, agents or representatives or is otherwise disclosed on
behalf of such party. For the avoidance of doubt, Subservicer will provide no Proprietary Information that is prohibited from public disclosure except in accordance with 12 C.F.R. 510.5. 

Exclusions. The restrictions on use and disclosure set forth above shall not apply when and to the extent that the Proprietary
Information: (i) is or becomes generally available to the public or widely known in the mortgage industry through no fault of Recipient (or anyone acting on its behalf); (ii) was previously rightfully known to

  
 34 

 
Recipient free of any obligation to keep it confidential; (iii) is subsequently disclosed to Recipient by a third party who may rightfully transfer and disclose such information without
restriction and free of any obligation to keep it confidential; (iv) is independently developed by Recipient without reference to Discloser’s Proprietary Information, or (v) is required to be disclosed by Recipient by applicable law
or regulatory action, provided that Recipient uses all reasonable efforts to provide Discloser with at least ten (10) days’ prior notice of such disclosure and Recipient discloses only that portion of the Proprietary Information that is
legally required to be furnished pursuant to the opinion of legal counsel of Recipient. 
 Equitable Relief. Because of the unique
and highly confidential nature of the Proprietary Information, Recipient acknowledges and agrees that Discloser may suffer irreparable harm if Recipient breaches any of its obligations under this Section, and that monetary damages may be inadequate
to compensate for such breach. Accordingly, in addition to any other rights and remedies that may be available to Discloser at law and in equity, Discloser shall be entitled to enforce the provisions of this Agreement by seeking injunctive relief,
and Recipient shall not assert as defenses that an adequate remedy at law exists and/or that Discloser will not be irreparably harmed. 
  

	Section 9.15	Counterpart Execution. 

 This Agreement may be executed in multiple counterparts, each of
which when conformed, shall constitute one and the same document. This Agreement may be executed and delivered by facsimile signatures, which shall, for all purposes hereunder, be deemed effective as original signatures. 

[Signature Page Follows] 

  
 35 

 IN WITNESS WHEREOF, each party has caused this instrument to be signed in its corporate
name on its behalf by its proper officials duly authorized as of the day, month and year first above written. 
  

									
	CENLAR FSB	 		 	LOANDEPOT.COM, LLC
					
	By:	 	

	 		 	By:	 	

		 	  
	 		 		 	  

	Name:	 	Gregory S. Tornquist	 		 	Name:	 	Scott Anderson
	Title:	 	President and Chief Executive Officer	 		 	Title:	 	Executive Vice President
		 	425 Phillips Boulevard Ewing, NJ 08618	 		 		 	26642 Towne Centre Drive Irvine, CA 92610

  
 36 

 EXHIBIT I 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 Mortgage Loans sold to FHLMC and/or FNMA in accordance with the terms of the FHLMC Single Family Seller/Servicer
Guide or the FNMA Selling and Servicing Guide, as applicable, Mortgage Loans guaranteed by GNMA in accordance with applicable GNMA guidelines, and Mortgage Loans acceptable to Subservicer owned by Owner/Servicer or by Investors under the terms of
servicing and/or pooling agreements acceptable to Subservicer. 
 [OR] 

[Attach List or Schedule of Loans to be Subserviced] 

  
 37 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 EXHIBIT II 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 Fees for Standard Services 
  

									
	

	 	 Private Label
	  	[***]
	 	 Live transfer of refinance/cross sell inquiries*
	  	[***]
	 	  
 New Loan Interface built
by Cenlar
	  	[***]
	 	  
 New Loans Originated via
interface*
	  	[***]
	 	 Internet/Manual Setup*
	  	[***]
	  
 

  
	 	  
  

Custodial Accounts – P&I and T&I
	  	  
  

P&I and T&I Custodial Accounts Retained by Cenlar FSB

 

	

	 	 Base Subservicing Fee (per loan per month)*
	  	0-4,999	  	5,000-14,999	  	Over
	 		  	Loans	  	Loans	  	15,000
	 	 Conventional Fixed
	  	$[***]	  	$[***]	  	Loans
	 	 Conventional ARMS(A)
	  	$[***]	  	$[***]	  	$[***]
	 	 FHA-VA Fixed
	  	$[***]	  	$[***]	  	$[***]
	 	 FHA-VA ARMS, EAs(A)
	  	$[***]	  	$[***]	  	$[***]
	 		  		  		  	$[***]
	 	 Note – (A)Effective after initial interest rate adjustment
Monthly/Quarterly ARMs add $[***]
	  		  		  	
	 	  
 Interim Servicing Fees
(Service Released)
	  		  		  	
	 	 Base Subservicing Fee – All products (per loan per month)
	  	$[***]	  		  	
	 	 Exit Fee (per loan)
	  	$[***]	  		  	

  

	*	Subject to annual adjustment as set forth in Paragraph 4.1 of the Subservicing Agreement 

  
 38 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
  

							
	

	 	 Default Fees*
	  			
	 	 In addition to monthly Base Subservicing fee (per loan per month)
	  			
	 	 30 Days Delinquent
	  	 	$[***]	  
	 	 60 Days Delinquent
	  	 	$[***]	  
	 	 90 Days Delinquent
	  	 	$[***]	  
	 	 In lieu of monthly Base Subservicing fees and Default fee
	  			
	 	 120+ Days Delinquent
	  	 	$[***]	  
	 	 Loans in Foreclosure
	  	 	$[***]	  
	 	 Bankruptcy Loans
	  	 	$[***]	  
	 		  			
	 		  			
	  
 

	 	  
 Minimum Monthly Billing
(Base Subservicing Fee)
	  	  
  
	  
 $[***]
	  
   

	 	  
 Late Charges
	  	 	[***]	  
	 	  
 Real Estate Owned –
Monthly Fee*
	  	 	$[***]	  
	 	  
 Loss Mitigation
Fees*
	  			
	 	 Decisioning Fee
	  	 	$[***]	  
	 	 Disposition Fee
	  	 	$[***]	  
	 		  			
	 		  			
	 		  			
	 		  			
			
	

	 	 Exit Fee (per loan)
	  			
	 	 Payoffs
	  	 	[***]	  
	 	 Termination Without Cause
	  			
	 	 <6 months
	  	 	$[***]	  
	 	 6-12 months
	  	 	$[***]	  
	 	 Year 2
	  	 	$[***]	  
	 	 Year 3 and thereafter
	  	 	$[***]	  
			
	

	 	 Tax and Flood Service Contracts
	  	 	[***]	  
	 	 Tax Contract (if placed thru Cenlar)
	  	 	$[***]	  
	 	 Automated Tax setup (if client’s Tax Vendor is used)
	  	 	$[***]	  
	 	 Flood Determination Certification
	  	 	$[***]	  
	 		  			
	 		  			
		 		  			
	

	 		  			
	 	 Government Claims Processing Charges
	  			
	 	 Part “A” and Part “B” Claim
	  	 	$[***]	  
	 	 Supplemental Claim
	  	 	$[***]	  
	 		  			
	 		  			

  

	*	Subject to annual adjustment as set forth in Paragraph 4.1 of the Subservicing Agreement 

  
 39 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 EXHIBIT III 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 Fees for Additional Optional Services 

 

					
	

	  	 Welcome Call Program
	  	$[***]
	  	  
 Monthly Statements
	  	  
 $[***]

	  	 (This item will be increased to reflect postal increases as they occur.)
	  	
	  	  
 Marketing REO
	  	  
 [***]

	  	  
 Customer Web Access
	  	
	  	 1. Customer Web Access with Single Sign On (SSO), or
	  	$[***]
	  	 2. Private Label Webframes
	  	$[***]
	  	  
 Remote Inquiry System
Access
	  	  
 $[***]

	  	  
 Global Teller Access via
Web
	  	  
 [***]

	  	 Additional User Accounts
	  	$[***]
	  	  
 Data Extract Files
	  	  
 $[***]

	  	  
 General Ledger/Data
Feeds
	  	  
 $[***]

	  	  
 Project Support
	  	
	  	 Staff
	  	$[***]
	  	 Manager/MIS Technical Support
	  	$[***]
	  	 Senior Manager
	  	$[***]
	  	  
 Reports
	  	
	  	 Standard LPS Reports
	  	[***]
	  	 Optional LPS Reports
	  	$[***]
	  	 Ad Hoc Queries and Reports
	  	$[***]
	  	 Custom Programming
	  	$[***]
	  	  
 Other Optional
Services
	  	  

Pricing will be determined based upon

Statement of Work (SOW)
 requirements

  

	*	Subject to annual adjustment as set forth in Paragraph 4.1 of the Subservicing Agreement 

  
 40 

 EXHIBIT IV 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 ACCOUNTING REPORTS 
  

					
	Daily Report:
		 	PI32	  	Discount Transactions
	
	Monthly Reports:
		 	S2BT	  	Pledge Loan Detail Report
		 	P46T	  	Net Fees Amortization Journal
		 	S56U	  	Net Fees Amortization – Non-accruing Loans
		 	S263	  	Loans Added to Single Debit Control
		 	S50V	  	Loans Added or Deleted From Pledging
		 	S50U	  	Loans Pledged as Collateral
		 	PI85	  	Interest Accrual

 DEFAULT REPORTS 
  

					
	Delinquency:
		 	P4DL	  	List of Delinquent Accounts by Investor and Investor Number (Includes Collector Contact Information)
		 	T383	  	Dollar Volume and Delinquency Report by Investor, State (this will be run on request only)
	
	Foreclosure:
		 	S5FT	  	Foreclosure Trial Balance Report
		 	S5L2	  	Loan Steps Selected by Investor and Step
	
	Bankruptcy:
		 	S2T1 – S2T5    Bankruptcy Trial Balance

 INVESTOR REPORTS 
  

					
	FHLMC Reports:
		 	S53X	  	Participation Loans Trial Balance Report
		 	T652-1	  	Individual Loan Reconciliation Report
		 	T652-2	  	Detail of P&I Cash Reconciliation
		 	T652-3	  	Loan Payoff Detail Report
		 	ZZFM-I	  	FHLMC Individual Loan Account Data Cross Reference
	
	FNMA Laser Reports (A/A, S/A and S/S):
		 	T653	  	Loan Activity Report
	
	GNMA/FNMA Pool Reports:
		 	T340	  	Issuers Monthly Pool Report
		 	S540	  	Pool Reconciliation Errors
		 	T341	  	Issuers Monthly Summary Report
		 	ZZ46	  	Report of Pools with Out-of-Balance Conditions
		 	T343	  	Issuers Liquidation Schedule

  

	*	Subject to annual adjustment as set forth in Paragraph 4.1 of the Subservicing Agreement 

  
 41 

 MANAGEMENT REPORTS 
  

					
	Daily Report:
		 	P110	  	Report of Loans Paid in Full
	
	Quarterly Reports – Only Provided Upon Request:
		 	T3XQ	  	OTS Schedule CMR Consolidated Maturity and Rate Information
		 	S2XQ	  	Detail for OTS Schedule CMR Consolidated Maturity and Rate Information
		 	S51Z	  	FDIC Report
		 	P43K	  	Past Due & Non Accrual Loans

 MONTHLY PORTFOLIO REPORTS 
  

					
	Available morning after applicable cutoff
		  	P139	  	Trial Balance by Investor
		  	S212	  	Paid in Advance Remittance Report
		  	S213	  	Curtailments Made Report
		  	S214	  	Paid-in-full Remittance Report
		  	S215	  	Consolidation of Remittance Reports
		  	S288	  	Loans Removed Report
		  	S287	  	Loans Added Report

 GENERAL LEDGER REPORTS – For General Ledger Interface Only 

 

					
	Daily Reports:
		  	P102	  	Report of Mortgage Loan Collections
		  	P129	  	Mortgage Loan Changes by Old Investor (Will produce when activity occurs)
		  	P142	  	Daily Machine Disbursement FL Summary Report
		  	P160	  	New Loans Added
		  	P181	  	Daily Trial Balance
		  	P46W	  	Net Fees Amortization Daily Fees Activity or
		  	S5AZ	  	Fee/Cost Activity and Amortization Report
		  	P4AG	  	Level Yield Discount Amortization
		  	T3AZ	  	Fee/Cost Activity and Amortization Summary Report
		  	T691	  	Daily General Ledger Recap
		  	T69W	  	Daily Transfer of Funds Detail
		  	S2UT	  	Daily Interest Accrual Income and Receivables Report
		  	S2UV	  	Daily Interest Accrual Reports by Exception Type
	
	Monthly Reports:
		  	P131	  	Monthly Discount Trial Balance
		  	P46T	  	Net Origination Fee Amortization Journal or
		  	S5AZ	  	Fee/Cost Activity and Amortization Report
		  	P4AS	  	Level Yield Discount and Amortization Report
		  	S5UT	  	Interest Accrual: Income and Receivable Report
		  	S5UV	  	Interest Accrual: By Exception

 Note: If a transaction occurs on a Mortgage Loan during the applicable reporting period, the associated report will be
produced, otherwise the report will not be produced. 

  
 42 

 EXHIBIT V 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 Bulk Servicing Transfer Instructions 

Provided under separate cover 

  
 43 

 EXHIBIT VI 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 Flow Servicing Transfer Instructions 

Provided under separate cover 

  
 44 

 EXHIBIT VII 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 INTERIM MORTGAGE LOAN TRANSFER INSTRUCTIONS 

Provided under separate cover 

  
 45 

 EXHIBIT VIII 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 FORM OF 

CORPORATE RESOLUTION 
 The
undersigned hereby certifies that he/she is the duly elected [SAMPLE], of [SAMPLE], [SAMPLE] (the “Company”), and further certifies that the following are true copies of a resolution duly adopted by the
                     of the Company effective as of the Effective Date of Resolution set forth below, that remain in full force and effect and do not
conflict with the governing documents of Company. 
 BE IT RESOLVED that those employees of Cenlar FSB (“Cenlar”) listed
below (the “Document Executing Officers”) are hereby authorized in furtherance of a certain Subservicing Agreement dated April 19, 2012 between Cenlar and the Company: 

 

	 	a.	to endorse satisfactions of mortgage or other security instruments; 

  

	 	b.	to declare defaults with respect to a mortgage loan or other asset; 

  

	 	c.	to give notices of intention to accelerate and of acceleration and any other notices as reasonably necessary or appropriate; 

  

	 	d.	to post all notices as required by law and the loan documents, including the debt instrument and the instruments securing a loan in order to foreclose or otherwise enforce the security instruments; 

 

	 	e.	pursue appropriate legal action and conduct the foreclosure or other form of sale and/or liquidation, issue bidding instructions with respect to such sale, executing all documents including all deeds and conveyances
necessary to effect such sale and/or liquidation; 

  

	 	f.	to conduct eviction or similar dispossessory proceedings; 

  

	 	g.	to take possession of collateral on behalf of Company or an investor; 

  

	 	h.	to execute any documents or instruments in connection with any bankruptcy or receivership of an obligor or mortgagor on a loan; 

  

	 	i.	to execute all necessary documents to file claims with insurers on behalf of Company with respect to the assets; 

  
 46 

	 	j.	to assign, convey, accept, or otherwise transfer the interest in any asset on behalf of Company where required for the purpose of foreclosure or other liquidation of the property; and 

 

	 	k.	to take such other actions and exercise such rights which may be taken by Company on behalf of investors or custodians with respect to any asset, including but not limited to, realization upon all or any part of a loan
or any collateral therefor or guaranty thereof 

 This authorization shall last the length of time as the Document Executing
Officers individually are employed at Cenlar. The authorization is at the convenience and pleasure of Company and is revocable upon notice. Further, the authority of the aforesaid individuals is specifically and strictly limited to the purpose
stated above. If not revoked sooner, such officer status shall terminate upon the transfer or termination of an individual from a position requiring these services; 

BE IT FURTHER RESOLVED that the Document Executing Officers appointed shall be titled as Vice President and Assistant Secretary, for
the purpose of enacting the above; and 
 BE IT FURTHER RESOLVED that the Document Executing Officers authorized hereby are: 

[LIST OF INDIVIDUALS CURRENT AT TIME OF CONTRACT TO BE INSERTED] 

Effective Date of                 , 201   

Resolution: 
  

			
		 	 [DO NOT EXECUTE]

	By:	 	
	Title:	 	

  
 47 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
 EXHIBIT IX 

To Subservicing Agreement dated April 19, 2012 

Between 
 Cenlar FSB and
loanDepot.com, LLC 
 SERVICE LEVELS 
  

							
	FUNCTIONAL CATEGORY	  	PROCESS	  	 PERFORMANCE DESCRIPTION

loanDepot (Client)
	  	REPORTING MEASURE
				
	New Loans	  	Boarding Loans	  	[***]	  	[***]
				
	Client Relations	  	loanDepot Inquires	  	[***]	  	[***]
				
	Investor/Client Reporting	  	Monthly Reports	  	[***]	  	

  
 48 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
  

							
	FUNCTIONAL CATEGORY	  	PROCESS	  	PERFORMANCE DESCRIPTION	  	REPORTING MEASURE
				
	Customer Service	  	Hours of Operations	  	[***]	  	
				
		  	Call Answer Rate	  	[***]	  	[***]
				
		  	 Written
 Correspondence/Research

Items
	  	[***]	  	[***]
				
		  	Presidential Complaints	  	[***]	  	[***]
				
	Cash Processing	  	Payment Processing	  	[***]	  	[***]

  
 49 

 [***] – Confidential portions of this document have been redacted and filed separately with
the Commission. 
  

							
	FUNCTIONAL CATEGORY	  	PROCESS	  	PERFORMANCE DESCRIPTION	  	REPORTING MEASURE
				
		  		  	[***]	  	[***]
				
		  	Payoff Processing	  	[***]	  	[***]
				
		  	General Ledger Cash Transfer	  	[***]	  	[***]
				
	Business Resumption	  	Testing	  	[***]	  	[***]

  
 50

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